Will Homeowners Insurance CoverA Retaining Wall? 
HO-3 homeowner policies have coverage for `` adjacent sturcture '' . The question is how is this wall constructed and how does it influence the coverages of the policy . Is it a `` retaining wall '' designed to protect the house in some fashion ? When the home is first insured the company will send an inspector to view the property . If that `` retaining wall '' is interfering with the safety of the home they will refuse to cover the property . 