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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.

Concrete pools are very durable but can crack if not properly maintained. The most significant risk is winter weather and low temperatures when water can seep into crevices and freeze. To avoid damage, use the proper winterization chemicals, and don’t completely drain your pool. Concrete pool repairs cost around $75 per linear foot for small cracks.

The actual foundation repair costs will depend on the extent of the damage, how many blocks you need, labor costs, and material costs. As an estimate, the average repair costs for a cinder block foundation fall between $350 and $25,000. Because the range is so large, it’s important to call a professional foundation repair company and have them assess the damage and estimate the repair costs.

Not all cracks in the basement floor signal foundation problems. As the house settles, you’ll notice very thin hairline cracks, which you don’t need to worry about. Cracks that are 1/8 inch or wider should require sealing, while ones that are 1/2 inch or wider require leveling. However, if you have cracks in your basement floor with heaving, you should call a pro to assess the situation. Heaving can lead to uneven flooring, structural issues, and foundation problems.