Open Foundation vs Crawl Space vs Closed Foundation (Slab and Basement)
Open Foundation vs Crawl Space vs Closed Foundation
The foundation of your home can change your insurance eligibility and rates. There are three main types of foundations in home construction:
- Open Foundation (includes piers & pilings, posts, stilts, elevated)
- Crawl Space
- Closed Foundation (includes slab, basement, walkout basement)
Here are some visual examples of what each foundation looks like in the wild.
An open foundation can be 20 feet in the sky or just a foot off the ground. Open foundation can also be described as Piers & Pilings, Posts, or Stilts. The key differentiator is there is visible open space beneath the dwellings structure. This space is designed to prevent flood waters from entering the home.
Beneath the house structure: open air
A crawl space is not visible from outside of the house, but you will likely see a small door that provides access to the air gap below.
Beneath the house structure: air gap and dirt
A closed foundation means a basement or slab of concrete is first built beneath the house structure and then the home is affixed directly on top of that concrete.
Beneath the house structure: concrete
When it comes to home insurance, most insurance carriers accept either a closed foundation or crawl space. If you have an open foundation, it will be harder to find coverage. Hope that helps!
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