Does Home Insurance Cover Cracked Render?

Cracked external render can indicate everything from cosmetic wear to serious structural issues. Whether home insurance will cover repair costs depends entirely on the cause of the damage and the specific terms of your policy.

1. When Cracked Render Is Covered

Home (buildings) insurance generally covers render damage if caused by sudden, insured perils, including:

• Storms, hail, or wind-blown debris impacting the exterior

• Damage from fire or explosions

• Subsidence, landslip, or foundation shifts (but only if subsidence cover is included)

These events are typically listed as covered risks—check your policy to confirm.

2. What’s Not Covered

Most policies do not include cracked render caused by:

• Gradual wear and tear, including normal aging or shrinkage

• Poor maintenance, such as unsealed cracks or failing paintwork

• Construction defects or installation errors

• Damage existing before coverage began

Repairs due to slow deterioration or neglected maintenance are considered homeowner responsibility.

3. Optional Coverage and Endorsements

Some insurers offer attachments or riders that may help:

• Subsidence and earth movement cover, sometimes optional

• Accidental damage add-on, which may include render impact

• Policies with lower deductibles for structural repairs

These can fill coverage gaps—especially in older homes or those in unstable ground areas.

4. How to File a Successful Claim

To enhance your claim acceptance:

• Take clear photos of cracks and surrounding conditions

• Provide evidence of the triggering event (e.g., storm records) if applicable

• Document your home maintenance history to prove damage was sudden

• Request estimates and keep all repair invoices

Claims involving insurance often require proof that damage was sudden and not due to neglect.

Summary Table

Final Takeaway

Home insurance typically covers cracked render only when caused by a sudden event like storm damage or subsidence. Cracks from age, neglect, poor installation, or gradual movement are excluded. Optional endorsements may help—but careful review of your policy terms is essential.

Need help checking whether your policy includes render damage cover or subsidence protection?
With over 30 years in insurance and access to nearly 100 providers, THAgency can review your options and find the best policy for your needs.