Get matched with top foundation repair specialists in Ishpeming, MI

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.

Most single-story homes don't have foundations strong enough to support a second story, but they can be reinforced for an addition. A structural engineer can assess your foundation and what needs to be done to get it ready. They'll look at any cracks or unevenness in your current foundation and consider any special framing or beams your home needs, especially if it’s in a high-wind or hurricane area.

“To support a second story, many structural engineers will require that you install additional concrete piers in the crawlspace,” says Tschudi. “This involves hand excavating, pouring a large concrete footing—usually with specially coated rebar—and then building concrete piers right up to the girders.”

Yes, you can replace a cinder block foundation. If a block foundation is too severely damaged to repair cracks and other issues, replacing the entire foundation is a viable option. The job will require a professional and can take between one to seven days on average to complete, depending on how complex the problem is.