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Yes. Foundation walls are always load-bearing.

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.

In most cases, yes, homeowners insurance will cover burst pipes, even if they run through your foundation. Not only that, but most home insurance companies will also cover any foundation repair you need done that resulted from the plumbing leak because your insurer will view the leak as an unforeseen and non-preventable issue.

If you don’t have any access to or knowledge of any area underneath your home, chances are it’s built slab-on-grade. You can also look for the concrete around the bottom edge of your structure; if it’s just a few inches tall, it’s likely a slab. If it’s more than that, has any windows, or you have steps leading to your main entrance, you likely have a different foundation style.