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Homeowner’s insurance doesn’t cover foundation cracks unless they’re a result of a natural disaster like an earthquake, vandalism, or a vehicle accident that causes sudden damage. Taking care of your foundation to prevent problems with expansive soil and drainage is considered ongoing maintenance, and your insurance company expects the homeowner to carry out that preventative maintenance.

Many horizontal cracks in home foundations result from water and soil pressure from outside of the building or from a footing that is shifting. Under those circumstances, horizontal cracks are a structural problem that requires repair before they become worse and more difficult to fix. However, in very specific cases, thin horizontal cracks may simply be a cosmetic blemish due to concrete shrinkage.

Yes, a house can collapse from severe foundation problems if left unchecked, which is why it’s so important to carry out routine foundation inspections and call for repairs at the first sign of an issue. Foundation cracks often take years to get to the point where your home is at risk of collapsing. Implementing a solution quickly, even if your issue seems minor, is always worthwhile.

Yes, it’s worth it to repair a crawl space foundation, even if the issue seems relatively minor. Foundation problems often get worse and more expensive to fix if you leave them untreated. Additionally, your entire home, from the framing and flooring to the roof system, relies on the foundation for even and level support. Issues with your foundation will almost always manifest as problems in and above your living space, so it’s important to find a solution.