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Foundation Repair questions, answered by experts

Yes, you can live with a cracked foundation—in fact, most people do. Virtually all foundations crack from normal settlement, and while settling cracks benefit from sealing to prevent water and moisture intrusion, most aren’t an issue. If you have structural cracks in your foundation, it might be safe to live in your home for some time, but you should address them immediately to prevent structure collapse and major property damage.

Concrete spalling can be fairly serious, especially if left untreated or in a public area. It can be a tripping hazard and, if not resolved, can lead to structural instability.

It can be safe to live in a house with minor foundation problems as long as the issues are checked and monitored by a professional. Minor cracks are rarely a cause for structural concerns, but signs of leaks, sinking, or bulging walls should be strongly scrutinized by a foundation specialist. Similarly, it's always smart to hire a professional when you're concerned about buying a house with foundation repairs.

If your foundation repair claim gets denied, the first step is to carefully read over your policy and denial letter so you understand the reason for the denial. Then, gather evidence and documents that can support your case and appeal the denial with your insurance company. If your insurer does not eventually honor your claim, you may want to file a complaint with the insurance department in your state. In some cases, it may make sense to work with an attorney and file a lawsuit.

You may want to hire a concrete floor contractor to check out your home’s concrete surfaces or inspect your home’s foundation for minor damages that they can fix while on site. They may be able to fix cracks in your driveway or garage floor the same day they fix your concrete steps, as well. General concrete repair experts usually won’t be able to handle larger jobs, like leveling a sunken foundation, so you’ll need to hire a structural engineer for bigger projects.

The Kotzebue, AK homeowners’ guide to foundation repairs

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