The answer is yes and no.
In a normal circumstance, homeowner’s insurance will NOT cover the cost to replace your retaining wall. According to The Hartford Insurance, categories not typically covered include:
- Normal wear and tear
- Poor workmanship or defective materials
- Birds, vermin, rodents and insects
The article can be found here: https://www.thehartford.com/aarp/homeowners-insurance/what-does-homeowners-insurance-cover
So what is covered?
I’ve seen two instances where I have seen insurance step in. In the first claim a tree removal company lost control of a stump grinder and it damaged the homeowner’s wall. The second claim was the result of a vehicle crashing into a retaining wall.
The best approach is to be proactive when it comes to replacement.