Usually not, because wall-tie corrosion develops gradually. It is normally treated as deterioration rather than sudden accidental damage.
What are the common signs?
- Long horizontal cracks at regular levels.
- Cracks following mortar joints.
- Outer brickwork beginning to bulge.
If horizontal cracking suggests wall-tie trouble
- Do not keep repointing cracks that return.
- Use a specialist wall-tie survey to confirm the condition of the ties.
- Replace or isolate defective ties where necessary.
Why gradual corrosion is rarely insured
The rusting process happens over time, so it does not normally fit the sudden-event cover provided by home insurance.