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Foundation Repair questions, answered by experts

If your foundation repair claim gets denied, the first step is to carefully read over your policy and denial letter so you understand the reason for the denial. Then, gather evidence and documents that can support your case and appeal the denial with your insurance company. If your insurer does not eventually honor your claim, you may want to file a complaint with the insurance department in your state. In some cases, it may make sense to work with an attorney and file a lawsuit.

Yes, it is worth repairing concrete cracks. Concrete cracks are normal, and they can be hard to keep from appearing. However, it is worth repairing cracks in concrete for many reasons. For example, it’s possible to repair concrete to the point where the repair is almost invisible. Also, if the crack is left alone, it can become bigger and more expensive to fix over time.

If foundation problems are not fixed, they will likely worsen over time, leading to more complex and expensive repairs. Neglecting a damaged foundation can cause a range of issues, including:

  • Structural Damage: Minor problems like small cracks can escalate into major structural issues. This can damage the house above the foundation and, in severe cases, lead to foundation walls caving in or a total collapse.

  • Water Damage and Pests: Moisture and water intrusion can cause flooding, mold growth, and pest infestations.

  • Health and Safety Risks: Mold can lead to poor indoor air quality and other health risks, while structural instability poses a significant safety hazard.

  • Reduced Home Efficiency: A compromised foundation can negatively impact your home's energy efficiency.

To avoid these escalating problems and costs, it's best to hire a foundation repair company to address any issues as soon as you become aware of them. The earlier problems are discovered and fixed, the lower the repair cost will likely be.

There are many actions that specialists can take to repair a bad foundation. However, just like a car, a specialist will determine whether the cost of repairs is worth it in the long run. In many cases, repairs to the surrounding property—such as regrading your lawn or addressing lawn drainage issues—will also be necessary.

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.

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.