Will homeowners insurance cover a cracked foundation caused by a tree root?

Having dealt with this problem in a big way before, I nearly lost the whole side of a basement wall/foundation due to years of pressure from a tree that had beed growing there for some years.

I asked my insurance company, S.... F... , and they informed me that this is a problem that is not covered. It falls under the realm of normal home maintenance. Therefore, had it been pulled out when it was a sapling it would never have become a problem. It did not fall under the unexpected, covered environental disaster or human inflicted damage.

Some other problems that are not covered..: Collapsed Sewer line (though they will cover any damage due to a line that backs up and floods indoors. Termite damage, unless you can prove that due to some type of event such as earthquake or construction or event that drove them from a nearby structure into your home within the previous 2 years. (of course this is very safe for them since the damage will never be noticed until many years have passed).

I will never live in an old house again!