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Cracked tiles can mean foundation problems. Fortunately, most of the time, cracked tiles happen as a result of accidental damage. It is important to determine the cause of cracking to rule out underlying foundation issues. If your tiles were not damaged due to dropped items, heavy loads, poor installation, or inferior tile quality, and the cracks are spreading throughout your flooring and not limited to just one area, you may be dealing with foundation problems. These can include drainage problems and even foundation failure, so it is vital to call a licensed contractor to assess the issue and ensure your foundation is safe.

Yes, it is normal for a block foundation to crack. Some block foundation cracks are more serious than others and indicative of a larger structural problem. On the other hand, minor cracks may not be of immediate concern but should be monitored. Regardless, foundational cracks are not an uncommon response to wear on a structure from time and weather.

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.

Most of the time, normal foundation settling will present as thin cracks in the foundation and minor creaks in the floorboards. In contrast, you can identify foundation issues by wide or uneven foundation cracks, horizontal or step-shaped gaps on the foundation wall, or cracks that go around corners of your foundation. Foundation problems can also cause changes in your living area, like increased humidity, uneven or sloping floors, nail pops in drywall, countertops pulling away from the wall, and windows and doors getting stuck. When in doubt, call in a professional to identify the underlying cause.