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Foundation Repair questions, answered by experts

Homeowners insurance doesn’t usually cover a sinking foundation. While insurance will cover some kinds of foundation damage, coverage is usually limited to damage from natural disasters, fire, or impact. Foundation sinking is rarely covered by insurance, so it’s a good idea to make repairs early on to avoid costly problems in the future.

Crumbling concrete steps will affect your ability to drill into the material and affix a sturdy railing. If the damage is primarily cosmetic, you might be able to DIY the repair with a patch kit. If the concrete is badly crumbling, hire a professional who specializes in pouring concrete. The average concrete step repair cost is $500 from a professional, but the extent of the damage will determine your actual cost. The professional may recommend a replacement if the damage is extensive.

Yes. Water can penetrate through a concrete foundation wall. This can happen whether or not you have cracks, as concrete is a porous material. You’ll want to take steps to waterproof your basement or crawl space.

Regularly inspecting your foundation—at least the visible sections—for signs of foundation issues like moisture and pest infestation is a good way to identify slab leaks early, as is keeping an eye and ear out for water damage to indoor building materials, above-average water bills, sounds of running water when no fixtures or appliances are on, and indoor humidity that causes the temperatures to feel more extreme. If you do find any issues, contact a plumber right away to check it out for you.

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.

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.