Get matched with top concrete repair specialists in Rangely, CO

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, you can replace a cinder block foundation. If a block foundation is too severely damaged to repair cracks and other issues, replacing the entire foundation is a viable option. The job will require a professional and can take between one to seven days on average to complete, depending on how complex the problem is.

Foundation repair costs $250 for a minor crack that doesn’t affect the structure’s integrity, although it can cost as much as $800 if it’s a major crack. Call a pro to get it fixed as soon as possible if your crack is bigger than 1/8 inch wide. Additionally, if you need to seal the foundation to fix leaks, it can cost approximately $2,000 to $7,000.

In most cases, yes, homeowners insurance will cover burst pipes, even if they run through your foundation. Not only that, but most home insurance companies will also cover any foundation repair you need done that resulted from the plumbing leak because your insurer will view the leak as an unforeseen and non-preventable issue.