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Yes, you can live with a cracked foundation—in fact, most people do. Virtually all foundations crack from normal settlement, and while settling cracks benefit from sealing to prevent water and moisture intrusion, most aren’t an issue. If you have structural cracks in your foundation, it might be safe to live in your home for some time, but you should address them immediately to prevent structure collapse and major property damage.

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.

A slab-on-grade or slab foundation is a great option in many areas—usually in warm or moderate climates—and has been a successful foundation style for many decades. Slab foundations don’t require excavation or concrete block wall construction, so they’re the least expensive foundation type. They’re also the fastest to construct and don’t have many issues with moisture or water intrusion. However, they don’t give you extra storage space or potential living space like a crawl space or basement would, and they’re not ideal in colder areas where utility lines can freeze and frost heave can cause major damage.

You could DIY the work, but unless you have plumber’s knowledge for identifying and fixing a slab leak and specialized equipment in your tool shed, attempting to DIY your slab leak repair isn’t a good idea. It’s simply not something that the average homeowner can take on themselves, regardless of how many successful DIY projects they’ve got under their belt. You could, however, do something simple like foundation waterproofing yourself to save some money on the post-repair work.