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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.

You can patch minor cracks and damage yourself using concrete fillers or mortar. Larger damage may require full replacement of affected slabs. However, water damage to your concrete will never disappear unless you address the root cause causing the water to cumulate. To prevent future damage, you can also waterproof your concrete.

Although some concrete cracks are cosmetic, others can be more serious. Cracks wider than ⅛ inch or that extend through the slab are serious and can cause structural damage. If you notice these types of cracks in your concrete patio, contact a local contractor who installs concrete patios to inspect the damage and determine how to fix it.

Not all cracks in brick indicate foundation problems. For instance, small hairline cracks can occur as a new construction settles. However, larger cracks are often a sign of a more severe issue. Indicators of a potential foundation problem include long horizontal cracks, "stair-step" cracks, vertical cracks that appear indoors, or any crack that widens at the top. Other signs of structural damage to look for are uneven floors and doors or windows that stick. These issues could be caused by problems with the soil beneath the home or an overgrown tree.