Does homeowners insurance cover foundation cracks and repair?

• <div><p>Generally, foundation cracks and repair are not covered by standard homeowners insurance policies. This type of damage is often considered normal wear and tear or a result of poor maintenance, which is the homeowner's responsibility. For example, damage caused by settling, shifting soil, or drainage issues is typically excluded.</p><p>However, there are exceptions. Coverage may apply if the foundation damage is a direct result of a covered peril, such as a house fire, a burst pipe, vandalism, or a vehicle accident. Coverage for natural disasters like earthquakes and floods often requires a separate, specific policy or add-on.</p></div>

Will your foundation be able to support a second story?

• <div><p>Most single-story homes don't have foundations strong enough to support a second story, but they can be reinforced for an addition. A structural engineer can assess your foundation and what needs to be done to get it ready. They'll look at any cracks or unevenness in your current foundation and consider any special framing or beams your home needs, especially if it’s in a high-wind or hurricane area.</p><p>“To support a second story, many structural engineers will require that you install additional concrete piers in the crawlspace,” says Tschudi. “This involves hand excavating, pouring a large concrete footing—usually with specially coated rebar—and then building concrete piers right up to the girders.”</p></div>

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Q: Can horizontal foundation cracks be fixed?

• <div><p>Barring extreme home foundation problems, most horizontal foundation cracks are fixable using one or more methods. Most of the repair methods require professional expertise to accomplish, and include plate anchors, steel reinforcement, soil anchors, reconstruction, or carbon fiber strip applications. Contacting a professional to diagnose the problem early can minimize repair expenses. </p></div>

Q: How do you tell the difference between settling and foundation problems?

• <div><p>Most of the time, normal foundation settling will present as thin cracks in the foundation and minor creaks in the floorboards. In contrast, you can identify foundation issues by wide or uneven foundation cracks, horizontal or step-shaped gaps on the foundation wall, or cracks that go around corners of your foundation. Foundation problems can also cause changes in your living area, like increased humidity, uneven or sloping floors, nail pops in drywall, countertops pulling away from the wall, and windows and doors getting stuck. When in doubt, call in a professional to identify the underlying cause.</p></div>

Q: How can I spot a concrete slab leak before it becomes a major issue?

• <div><p>Regularly inspecting your foundation&mdash;at least the visible sections&mdash;for <a href="https://www.angi.com/articles/8-signs-homes-foundation-trouble.htm">signs of foundation issues</a> like moisture and pest infestation is a good way to identify slab leaks early, as is keeping an eye and ear out for water damage to indoor building materials, above-average water bills, sounds of running water when no fixtures or appliances are on, and indoor humidity that causes the temperatures to feel more extreme. If you do find any issues, contact a plumber right away to check it out for you.</p></div>

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Verified Reviews for Foundation Repair pros in Ester, AK

*The Angi rating for Foundation Repair companies in Ester, AK is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Foundation Repair needs.

*The HomeAdvisor rating for Foundation Repair companies in Ester, AK is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Foundation Repair needs.

Last update on July 13, 2024

Reviewed in July 2024
I have had several homes repaired over the years by numerous contractors and this is by far the best experience I have ever had!! Would recommend 10/10!!
I. E. J., LLC
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Reviewed in February 2024
Repaired multiple holes in my drywall, large and small. Did the job correctly and professionally. He placed backer board, sheetrock patches, dry wall tape around the edges, and speckled in multiple coats. Then he sanded the areas, applied texture, and cleaned up all the debris. The repaired...
Armor Maintenance
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Reviewed in October 2023
Branden was great to work with. He and his crew did a fantastic job of replacing our 20+ year old deck foundation. We had great communication and the job was done quickly and well. I recommend Roybal Construction highly!
Roybal Construction LLC
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Reviewed in June 2023
The repair guy will be back with my parts and will be doing a maintenance job on my dryer 10-14 days when the washer parts come in. He requested a 50% down payment before parts were order.
Appliance Doctor
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Reviewed in May 2022
These guys are a new small business and have been a pleasure to work with so far and know their stuff. We had a door installed and a deck / stairs repaired and we'll be moving onto our kitchen next. All in all, fantastic service and friendly people! A good option for interior Alaska.
A & A Services
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Reviewed in February 2021
I called three months ago to have an expansion tank and zone switches replaced on my boiler. They did not bring out any parts in order to repair. So they come out a second time to do the job. Was it fixed? No, zone switch failed and they left the water off for the basement. Third time they came...
Glacier Point Services (formerly Stack Company)
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Reviewed in November 2020
Eric completed a garage ceiling repair for us and did a great job! He matched the pattern on the wallboard very nicely. He called to make sure we were satisfied with his job afterwards. I will definitely use WallDocs again.
Walldocs
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Reviewed in September 2020
This a very responsive company & the owner worked directly with my insurance company. The crew was punctual & the repairs were a test of their Excellent skills to say the least. I will definitely call them if I ever need any other work to done.
Rhino Construction, LLC
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Reviewed in November 2016
Extraordinary service. Answered phone on first ring, came same day after hours, diagnosed and repaired our furnace in less than an hour. Made some no-pressure safety and improvement suggestions. All this with a very friendly attitude and fair price. Thank you Randy and Karl. You have a new...
Randy's Heating
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Reviewed in November 2016
They charged my wife while I was out of town part after part claiming it needed the repair and yet regardless the car still had the same problem happening every time she drove. They charged her hundreds for each repair literally raping her of cash. They do not care about customer service only...
University Chevron
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Find Foundation repair specialists in Ester

I. E. J., LLC

5.0(

)

Concrete Foundation - Repair

Serving Ester, AK and surrounding areas

Approved

In business since 2018

Emergency services offered

Small jobs welcome

"I have had several homes repaired over the years by numerous contractors and this is by far the best experience I have ever had!! Would recommend 10/10!!"

+62

Response time11 hrs

Response rate98%

Recommended by93%of homeowners

Request Quote

Rhino Construction, LLC

5.0(

)

Foundation Drainage - Install or ReplaceFoundation, Basement or Crawlspace - Waterproofing / Encapsulation

Serving Ester, AK and surrounding areas

In business since 2005

Free estimates

"very professional. had a number of jobs that needed to be done. am very satisfied by the results of their work. would hire them again when I need other jobs done."

+102

Response time6 days

Recommended by100%of homeowners

Foundation Drainage - Install or Replace

Serving Ester, AK and surrounding areas

In business since 2017

Free estimates

Credit card accepted

"Employed all CoViD precautions. I felt very safe having a stranger in my house at this time. So nice having full power back."

Response time1 day

Recommended by66%of homeowners

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Hampton Enterprise LLC

3.7(

)

Foundation Drainage - Install or ReplaceFoundation, Basement or Crawlspace - Waterproofing / Encapsulation

Serving Ester, AK and surrounding areas

In business since 1989

Free estimates

Emergency services offered

"They were good. They were pretty fast and came on time. My overall experience with them has been good."

Recommended by60%of homeowners

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Sub Zero Recovery & Removal

New to Angi

Foundation Drainage - Install or Replace

Serving Ester, AK and surrounding areas

In business since 1973

Free estimates

Credit card accepted

Here at Sub Zero Recovery & Removal we are here for all your needs. We have over 30 years of experience and have worked all around the Fairbanks area. We cater to every unique situation. We do both commercial and residential plowing. We also specialize in excavation work and construction clean ups. No matter the job, Sub Zero Recovery & Removal has you covered. Call us today!

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Nifty Solutions LLC

New to Angi

Poured Concrete Wall - Repair

Serving Ester, AK and surrounding areas

In business since 2018

Free estimates

Emergency services offered

We are a multiple service company providing Handyman services and concrete services at competitive rates

Request Quote

Foundation Repair questions, answered by experts

Generally, foundation cracks and repair are not covered by standard homeowners insurance policies. This type of damage is often considered normal wear and tear or a result of poor maintenance, which is the homeowner's responsibility. For example, damage caused by settling, shifting soil, or drainage issues is typically excluded.

However, there are exceptions. Coverage may apply if the foundation damage is a direct result of a covered peril, such as a house fire, a burst pipe, vandalism, or a vehicle accident. Coverage for natural disasters like earthquakes and floods often requires a separate, specific policy or add-on.

Most single-story homes don't have foundations strong enough to support a second story, but they can be reinforced for an addition. A structural engineer can assess your foundation and what needs to be done to get it ready. They'll look at any cracks or unevenness in your current foundation and consider any special framing or beams your home needs, especially if it’s in a high-wind or hurricane area.

“To support a second story, many structural engineers will require that you install additional concrete piers in the crawlspace,” says Tschudi. “This involves hand excavating, pouring a large concrete footing—usually with specially coated rebar—and then building concrete piers right up to the girders.”

Barring extreme home foundation problems, most horizontal foundation cracks are fixable using one or more methods. Most of the repair methods require professional expertise to accomplish, and include plate anchors, steel reinforcement, soil anchors, reconstruction, or carbon fiber strip applications. Contacting a professional to diagnose the problem early can minimize repair expenses.

Most of the time, normal foundation settling will present as thin cracks in the foundation and minor creaks in the floorboards. In contrast, you can identify foundation issues by wide or uneven foundation cracks, horizontal or step-shaped gaps on the foundation wall, or cracks that go around corners of your foundation. Foundation problems can also cause changes in your living area, like increased humidity, uneven or sloping floors, nail pops in drywall, countertops pulling away from the wall, and windows and doors getting stuck. When in doubt, call in a professional to identify the underlying cause.

Regularly inspecting your foundation—at least the visible sections—for signs of foundation issues like moisture and pest infestation is a good way to identify slab leaks early, as is keeping an eye and ear out for water damage to indoor building materials, above-average water bills, sounds of running water when no fixtures or appliances are on, and indoor humidity that causes the temperatures to feel more extreme. If you do find any issues, contact a plumber right away to check it out for you.

The Ester, AK homeowners’ guide to foundation repairs

From average costs to expert advice, get all the answers you need to get your job done.

See all articles

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Aug 3, 2026Aug 3, 2026
How Much Does Foundation Repair Cost? [2026 Data]
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•
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How Much Does Pier and Beam Foundation Repair Cost? [2026 Data]
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•
Jul 10, 2026Jul 10, 2026
How Much Does Underpinning a Foundation Cost? [2026 Data]
Unstable or sinking foundations require comprehensive and expensive solutions. Learn about foundation underpinning costs in this guide to set your budget.
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Apr 6, 2026Apr 6, 2026
Who to Call to Repair Foundation Issues
Foundation issues are critical, so knowing how to manage them is too. Use this guide to learn who to call for foundation repair.
Catherine Hiles
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Apr 6, 2026Apr 6, 2026
5 Questions to Ask About Concrete Foundation Repair
Minor foundation issues should be repaired before they become a major problem. When hiring a pro, consider these concrete foundation repair questions.
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Jul 31, 2026Jul 31, 2026
What to Know Before Buying a House That Had Previous Foundation Repair
A house’s history of foundation repairs doesn’t always mean you shouldn’t buy it. Learn what to consider when purchasing a house with an unstable past.