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Foundation Repair questions, answered by experts

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.

If improperly installed, an egress window can compromise your foundation’s structural integrity, so it’s important to work with a pro to ensure your foundation remains in good shape. Any money you may save on a DIY egress window installation may cost you in the long run if your foundation is damaged in the process.

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.

It’s crucial to hire a foundation company that’s professional, experienced, and reliable, starting by choosing local experts with at least five to ten years of experience with your type of project. Local foundation companies will understand the soil and weather conditions in your area and can carry out the best solution based on your property characteristics. You should ask for a list of customer references, read through online reviews, and check for customer complaints and unresolved issues filed with the Better Business Bureau (BBB) before hiring.

Yes, foundation problems can cause ceilings to collapse or even your whole house to crumble. Left unaddressed, natural sinking can build up and eventually harm your home’s supporting structure, such as walls, beams, and frames. Your basement ceiling may be the first place to look for signs of a ceiling collapse caused by foundation problems.

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.