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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.

Tree roots don’t necessarily break through concrete on their own, but they can certainly take advantage of existing cracks, even very small ones. As roots grow, they expand the cracks, making them larger and leading to serious and costly foundation damage. It’s a good idea to have repairs on any foundation cracks you’re concerned about.

You'll find a slurry of natural and synthetic polymers, rubbers, epoxies, and resins used to bond old concrete to new concrete. The right bonding agent depends on the method of concrete pouring you choose and whether you're adhering concrete over concrete or concrete over sand and gravel. Some concrete resurfacing mixtures contain bonding chemicals as well.

Yes, you can fix a block foundation. It’s important to address the issue immediately and have a foundation repair professional understand the severity of the issue and determine the best course of action. If the wall collapses before the foundation is repaired, then you’ll have to reassess your entire foundation.