Best foundation repair specialists near Ash Flat, AR

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.

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.

Mudjacking is usually reserved for light-duty slabs, like patios, driveways, and sidewalks. However, it can be an effective way to lift garage slabs and concrete around the perimeter of the home, which could harm your foundation if it’s not done properly. The risk of damage is why having a professional mudjacking company carry out the work is important. This type of slab or foundation repair is relatively inexpensive, especially if you consider that a DIY job requires that you pay to rent the necessary equipment.

Yes, slab foundations can sink just like any other foundation type. Floating slabs are the most prone to differential settlement and foundation sinking because they sit directly on the surface of the earth. Slab foundations that have footings—including slab-on-grade foundations and monolithic slab foundations—get additional support from soil further down and are less likely to sink over time, especially under larger, heavier structures.