The public record · Texas

Texas foundation insurance endorsement database

Name: Texas Foundation Insurance Endorsement Database
Creator: Motmot Foundation Repair
Published: 2026-07-12
License: https://creativecommons.org/licenses/by/4.0/

This database lists every Texas homeowners form and endorsement relating to slab access and foundation damage that we could verify in a document you can read yourself: 7 entries as of v1.0, each with its form number, coverage trigger, limit, what shared the limit, and a link to the source. Five come from the 2002–2003 Texas Department of Insurance filings, one from a real 2026 declarations page we reviewed (anonymized), one from TDI's own consumer guidance. None of them tells you what a carrier sells today — the right way to use the table is below, and the whole thing is a free CSV or JSON download, CC BY 4.0.

entries in v1.0

every one tied to a document you can read

from TDI filings

the 2002–2003 public record, read in full

15% / $15k

the two historical limits

of Coverage A (ISO, State Farm) or flat (USAA)

rows marked “current”

availability today is a question for the carrier

The database

The documented forms

Read the status column first. Historically documented means a 2002–2003 TDI filing proves the endorsement existed and what it said — proof of the past, not a product listing. Observed 2026 means we saw the line on a real, anonymized Texas declarations page this year. Reference is supporting state guidance. The table scrolls sideways on a phone.

INSURER / FORM	SOURCE · YEAR	COVERAGE TRIGGER	WHAT IT COVERED	SHARES THE LIMIT	LIMIT	STATUS	NOTES
State Farm Dwelling Foundation Endorsement FE-5368 Explained: Does State Farm cover foundation repair?	TDI Commissioner's Bulletin (Order 02-0208), 2002 2002	Seepage or leakage of water or steam from within a plumbing, heating, air conditioning, or automatic fire protective sprinkler system	Settling, cracking, shrinking, bulging, or expansion of foundations, floor slab, or footings that support the dwelling; includes the cost of tearing out and replacing parts of the building to repair the leaking system	Tear-out and replacement sit inside the coverage; the leaking system itself is not covered	15% of Coverage A (dwelling) on the date of loss	Historically documented	Under State Farm's documented phase-in plan, an applicant who declined this endorsement at policy inception would not be offered it again later. The bulletin contrasts it with the old HO-B, which covered leak-caused foundation damage up to the full Coverage A limit.
State Farm Water Damage Endorsement (homeowners) FE-5369 Explained: Does insurance cover slab leaks?	TDI Commissioner's Bulletin (Order 02-0208), 2002 2002	Continuous or repeated seepage or leakage of water or steam from heating, air conditioning, or automatic fire sprinkler systems, household appliances, or plumbing systems	Deterioration, wet rot, or dry rot to Coverage A (dwelling) and Coverage B (personal property); includes tear-out and replacement of building parts to repair the leaking system or appliance	Tear-out included in the coverage; the leaking system or appliance itself is not covered; fungus from continuous seepage excluded (fungus from a sudden discharge not excluded)	No separate dollar cap stated in the bulletin's description	Historically documented	This is water-damage (rot and deterioration) coverage, not foundation-movement coverage — the bulletin describes it separately from FE-5368. Declining it at inception, like the foundation endorsement, meant it would not be available later under the documented plan.
State Farm Water Damage Endorsement (renters / condo unitowners) FE-5393 Explained: Does insurance cover slab leaks?	TDI Commissioner's Bulletin (Order 02-0208), 2002 2002	Continuous or repeated seepage or leakage of water or steam from heating, air conditioning, or automatic fire sprinkler systems, household appliances, or plumbing systems	Parallels FE-5369, but the coverages apply only to Coverage B (personal property) — it attaches to renters and condominium unitowners policies	Same structure as FE-5369, limited to personal property	No separate dollar cap stated in the bulletin's description	Historically documented	Included for completeness: a renter or condo owner reading a declarations page may see this number. It never covered a foundation — there is no dwelling coverage on those forms.
ISO (any insurer adopting the ISO Texas homeowners forms) Foundation Coverage-Texas Endorsement Not printed in the order text Explained: The Texas foundation coverage endorsement, explained	TDI Order 02-0741, 2002 2002	Seepage or leakage of water or steam from within a plumbing, heating, air conditioning, or automatic fire protective sprinkler system	Settling, cracking, shrinking, bulging, or expansion of foundations, floor slab, or footings that support the dwelling; includes tear-out and replacement of building parts to repair the leaking system	Tear-out included in the coverage; the leaking system itself is not covered	15% of Coverage A (dwelling) on the date of loss	Historically documented	Approved alongside six ISO homeowners forms — HO 00 02, HO 00 03, HO 00 04, HO 00 05, HO 00 06, and HO 00 08 — and ninety-three endorsements. Insurers adopting the forms were REQUIRED to offer this endorsement to the applicant when each new policy was written (subject to underwriting) and to disclose whether the offer was one-time or would stay available.
USAA (Texas dwelling program) Slab or Foundation Coverage Endorsement Not printed in the order text Explained: Does USAA cover foundation repair?	TDI Order CO-03-0110, 2003 2003	Accidental discharge or leakage of water or steam — explicitly including constant or repeated seepage over a period of weeks, months, or years — from a plumbing, heating, air conditioning, or fire protective sprinkler system or a household appliance	Damage to the slab or foundation of the building; tear-out offers two options at the insured's choice — tear out and replace building parts to repair the system, or reroute the system	Tear-out or reroute costs are included WITHIN the $15,000 limit, not paid on top of it	$15,000	Historically documented	Slow seepage being explicitly inside the trigger is unusual and homeowner-favorable. The order phased the new USAA dwelling forms in for new business no later than January 1, 2004, with the endorsement offered at each new policy. It excluded settling or cracking of pavements, patios, walls, floors, roofs, and ceilings.
Foremost Slab/Foundation Access Limit ($2,000) — declarations-page line Not recorded (identifying details withheld) Explained: Slab access vs foundation coverage	2026 Texas declarations page reviewed by Motmot (anonymized, with the policyholder's written consent) 2026	An otherwise-covered plumbing repair that requires opening a path through or under the slab	ACCESS only — help paying to reach the covered plumbing repair (cutting and closing a slab section, or digging to it) — NOT structural foundation repair, piers, or leveling	The $2,000 covers the opening and closing of the access path; foundation repair itself is outside the coverage entirely	$2,000	Observed 2026	The homeowner had read 'foundation' plus a dollar sign as foundation repair coverage; the wording promised reach-the-repair money only. The same policy carried a separate service-line coverage (buried utility lines) — also not structural repair coverage. One observed policy, not a statement about all Foremost policies.
Texas Department of Insurance (consumer guidance) "Damage to foundations or slabs" listed among common optional endorsements Publication cb025 Explained: Does insurance cover foundation repair in Texas? (the full guide)	TDI consumer guide: Home insurance basics (cb025) 2026 (guide as read)	n/a — guidance, not a policy form	TDI's own consumer guide lists 'Damage to foundations or slabs' among the common endorsements companies offer — that is, coverage a standard policy may NOT include unless added	n/a	n/a	Reference	The state's plainest confirmation that foundation coverage in Texas is typically an add-on, not a default. Useful context for every other row in this database.

All rows last verified against their source documents on 2026-07-12. Company names are identification, not endorsement — no carrier is affiliated with Motmot, and nothing here determines whether a particular loss is covered.

How to use it

The form-number rule.

This table is leverage for one conversation. Pull your declarations page, scan the endorsements list for the words foundation, slab, access, or water damage, and compare what you find against the rows above. Then ask your agent the question the database makes reasonable: "Do you offer a foundation endorsement — and either way, put the answer in writing with the exact form name and number." A verbal "you're covered" will not be in the room when an adjuster reads the actual language; the form number is what controls a claim. The Texas insurance guide carries the full twelve-question checklist for that call, and the fastest first pass is the policy term checker: paste your declarations-page text and it flags these exact terms in your browser, without sending the text anywhere.

Watch the two traps the rows keep teaching. An access limit is not repair coverage — the observed $2,000 line paid toward reaching a covered plumbing repair, never toward piers or leveling. And the limit is often shared: under the documented USAA wording, tear-out and reroute costs came out of the same $15,000 as everything else. Which trades draw from the pot decides what a claim is actually worth.

Access tunnel dug under a home's foundation for under-slab repair work — Access dug under a foundation — several documented endorsements draw this tear-out spending from the same limit as the repair itself.

Motmot inspection team checking a porch door frame during an elevation survey — An inspection builds the measured record that shows which cause your movement fits — the question every endorsement in this table turns on.

Methodology

How entries are verified.

Every public-document row was built the same way: we fetched the TDI bulletin, order, or guide and read it in full, then wrote the row from the document's own coverage description — quoted or tightly paraphrased, never inferred beyond the text. The last-verified date is the date we most recently re-read the source. Declarations-page rows follow a stricter rule: we review a policy only with the policyholder's written consent, we record no name, address, or policy number, and what we publish is the endorsement wording, the limit, and the year — nothing that identifies the household. A row earns "Historically documented" only when the filing itself describes the coverage; a company merely being mentioned in a filing does not qualify, which is why carriers you might expect are absent. Absence from this table means we found no public document, not that a company lacks the coverage.

Submit a form for review

If your Texas declarations page shows a foundation, slab, or access line we have not documented, email get@motmotfoundationrepair.com. We need your written consent to review it, and we redact everything identifying before any part of it appears here — the same treatment the existing observed entry received.

The dataset

Download the data. Use it with credit.

The full database is a plain CSV and a JSON file, one entry per row, no signup. The underlying government documents are public records with their own attributions; Motmot's compilation — selection, structure, status labels, notes — is licensed CC BY 4.0, so journalists, agents, researchers, and anyone else can use it, publish from it, or build on it, commercially included, with credit and a link.

Download the CSV Download the JSON Data dictionary & license (README)

COPY-READY CREDIT LINE

Data: Motmot Foundation Repair, motmotfoundationrepair.com — Texas Foundation Insurance Endorsement Database, compiled from TDI public documents (CC BY 4.0)

CITATION FORMAT

Motmot Foundation Repair (2026). Texas Foundation Insurance Endorsement Database. Compiled from Texas Department of Insurance public documents. https://motmotfoundationrepair.com/texas-foundation-insurance-endorsements/

What each column means

insurer	Insurer, filing organization, or agency
form_name / form_number	The endorsement's documented name and, where the document prints one, its form number
source_title / source_url	The public document (or review basis) behind the row, and where to read it
year_documented	Year of the source document or observation
coverage_trigger	The cause of loss the coverage responds to, in the document's terms
what_is_covered	The coverage described, quoted or tightly paraphrased from the document
what_shares_the_limit	What draws from the same limit — the quiet math that decides what a claim is worth
limit	The documented limit
status	Historically documented (2002–2003 TDI filing), Observed 2026 (anonymized declarations page), or Reference (government guidance)
last_verified	The date Motmot last re-read the source document (all rows: 2026-07-12)
notes	Context the document itself supports — never inference beyond the text

Changelog

v1.0 — 2026-07-12. Initial release: 7 entries (5 historically documented from the 2002–2003 TDI filings, 1 observed on a 2026 declarations page, 1 reference). Sources re-verified this date.

New entries get a version bump and a changelog line here. If you publish something with the data, we'd genuinely like to see it: get@motmotfoundationrepair.com.

The cluster this database anchors

The plain-English pages behind each row.

Endorsement database FAQ

Questions people ask about this database

Does this database show what insurance companies currently sell in Texas?

No, and it says so on every row. Five entries are historically documented — they come from 2002-2003 Texas Department of Insurance filings, which prove those endorsements existed and exactly what they said, nothing more. One entry was observed on a real, anonymized 2026 Texas declarations page. One is TDI consumer guidance. No entry is marked current, because current availability, limits, and price are questions only a carrier can answer, in writing, with a form number. What the database proves is narrower and still useful: these coverages have existed in Texas, insurers were once required to offer the ISO version, and asking for a foundation endorsement by name is a normal, historically grounded request.

How do I check my own policy against this database?

Pull your declarations page — the summary sheet at the front of the policy packet — and read the endorsements list. Every attached endorsement appears there with a form number and usually a short name. Look for the words foundation, slab, access, or water damage, then ask your carrier for the full form by number and read what it pays for. Two traps from the database: a slab/foundation access limit is not foundation repair coverage (it pays toward reaching a covered plumbing repair, not fixing the foundation), and under some documented wordings the tear-out costs draw from the same limit as the repair. You can also paste your declarations-page text into our free policy term checker — it runs entirely in your browser and flags these terms with plain-English explanations.

Can I submit my declarations page to the database?

Yes, and submissions are how the observed tier grows. Email get@motmotfoundationrepair.com. We only review a policy with the policyholder's written consent, and anything we publish is anonymized: no name, no address, no policy number — only the endorsement wording, the limit, and the year, the way the Foremost access-limit entry appears now. If your declarations page shows a foundation-related line we have not documented, that is exactly what we want to see.

Can I use or republish this database?

Yes. The compiled database — the selection, structure, status labels, and notes — is licensed CC BY 4.0: use it, share it, build on it, including commercially, with credit to Motmot Foundation Repair and a link. The underlying government documents are public records with their own attributions, and every row links its source so you can verify or cite the original directly. The CSV and JSON downloads carry the same license; the interactive tools on this site are licensed separately.

Insurance information disclaimer: Motmot Foundation Repair is not an insurance company, insurance agency, public adjusting firm or law firm. This page provides general educational information based on publicly available documents and does not determine whether a particular loss is covered. Coverage depends on the complete policy, endorsements, exclusions, deductibles, cause of loss, evidence and the insurer's investigation. Insurance products and forms may change. Contact a licensed insurance agent, the insurance carrier, a licensed public adjuster or an attorney for advice concerning a specific policy or claim.

The documents say what was covered. A measurement says what moved.

A free Motmot inspection gives you the factual record every coverage question turns on: a floor-elevation survey, crack mapping, and an honest read — including 'no repair needed' when that's the truth.

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