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Yes, slab leaks are fairly common, especially in older homes and places that are prone to earthquakes which can move home foundations.

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 strengthen a weak foundation using a few different foundation repair methods, including underpinning, slab jacking, foam jacking, installing carbon fiber support strips, or using a sealant or epoxy crack injection. It’s worth noting that the best way to strengthen your foundation permanently is to fix the underlying issue first and then use a permanent solution to reinforce it. If you’re unsure who to call for foundation repairs, a foundation repair contractor or structural engineer can help find the best solution for your home.

Whether you need a permit for foundation repair depends on your location and the scope of the work. Major repairs like foundation stabilization typically require a building permit, while smaller projects such as sealing non-structural cracks or applying waterproofing solutions often do not. It's crucial that your contractor follows all local building codes, as an inspector will review the work to ensure it's up to standard. Failing to obtain the necessary permits can create issues when selling your home and may lead to further damage if the work is not done correctly. Your foundation repair specialist will usually know if a permit is needed and can handle the process for you. You can also contact your local building department or municipal office to confirm the requirements and verify that your contractor has filed the appropriate paperwork.