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Foundation Repair questions, answered by experts

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.

No, hairline cracks in concrete are generally not a problem as they do not impact the strength and longevity of the concrete. Generally, cracks less than 0.3 millimeter wide don’t impact the structure. Hairline cracks can grow over time and weaken the structure, such as in a home foundation. Some hairline cracks can also cause leaks in a foundation. It’s important to watch the cracks to see if they grow. Contact a concrete contractor if you notice cracks exceeding 0.3 millimeter wide.

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.

Underpinning is a specific type of foundation repair where a specialist installs deep piers under a foundation to provide additional support. This method is often used when the soil beneath the foundation can no longer evenly support the structure. Foundation repair is an umbrella term that includes many methods. Besides underpinning, other common repairs include foundation crack repair, waterproofing, cosmetic repairs, and concrete block wall stabilization. Often, underpinning is accompanied by other work to address the root cause of the foundation issue, such as regrading the yard to ensure water drains away from the house.

The foundation repair that will work best varies based on the extent of the damage, the underlying cause, soil conditions, weather conditions, and more. Permanent foundation solutions like underpinning and exterior drainage solutions are better than temporary fixes that don’t address the source of the issue. Some examples of more temporary solutions include mudjacking or slabjacking, waterproof paint, and dampproofing. The best course of action is to have a reliable foundation specialist inspect your issue, treat the underlying problem, and restabilize your foundation.

The Spalding, MI homeowners’ guide to foundation repairs

From average costs to expert advice, get all the answers you need to get your job done.