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Foundation Repair questions, answered by experts

The best solution to fix a foundation crack in your basement floor depends on the underlying cause. If you just have hairline cracks from settlements that are no longer growing, the best option is to seal them with a crack sealant. If the cracks continue to grow, one edge rises above the other, or there are signs that water is getting in through the crack, a professional repair will be necessary. Depending on the root cause, your professional may employ foundation underpinning or some other type of stabilization, seal the cracks, or install a drainage system.

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.

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.

Always hire a foundation repair contractor the moment you suspect your house doesn't have a good foundation. The longer you wait to address foundation issues, the more likely they can lead to bowing floors, cracks in walls and ceilings, sticking doors and windows, chimney and roof problems, and more. Foundation problems can also let moisture into your home, leading to water damage, mold, and mildew problems.

Concrete can crack from general wear, improper installation, or in response to uneven support from the soil underneath. Small, thin cracks on the surface of aging concrete are usually a result of normal wear and tear, while cracks on new concrete more likely indicate a problem with installation. Larger cracks or uneven steps can signify a much more severe issue. A concrete contractor should be able to diagnose the cause and repair concrete cracks for you.

The Ishpeming, MI homeowners’ guide to foundation repairs

From average costs to expert advice, get all the answers you need to get your job done.