Best concrete repair specialists near Rangely, CO

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 have different options depending on the scale of repair needed. If you are repairing minor cracks that are between ¼ inch to 1.5 inch wide and less than half an inch deep, a self-leveling polyurethane sealant would be your best choice. Polyurethane sealants dry to the touch within one to two hours. Since they come in a tube applier, you also have the option to complete the repair without emptying out your garage.

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.

Yes, foundation repairs are worth it if you have a significant problem or see signs that could worsen if not dealt with. If your foundation fails, your home can lose up to 20% of its value. Protecting your home from serious structural damage and avoiding more costly repairs later is well worth the money.