Get matched with top foundation repair specialists in Ishpeming, MI

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.

While a contractor is on-site repairing your concrete steps, you can have them inspect other concrete surfaces for minor damage. They may be able to fix cracks in your driveway or garage floor during the same visit. You can also ask them to check your home's foundation for minor issues they can address. However, general concrete repair experts typically cannot handle larger jobs, like leveling a sunken foundation. For major structural projects, you will need to hire a structural engineer.

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.

Violating building codes can lead to a number of consequences, including fines, citations, and even being required to demolish the structure and start over. If your house isn’t compliant with code requirements, you can also run into trouble when it comes time to get homeowners insurance or sell your house. Following all applicable building codes will avert costly consequences.