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Yes. Water can penetrate through a concrete foundation wall. This can happen whether or not you have cracks, as concrete is a porous material. You’ll want to take steps to waterproof your basement or crawl space.

Yes, thicker concrete is less likely to crack. The thicker the concrete is, the less susceptible it is to extreme changes in weather conditions that often cause concrete to crack or chip. If you’re unable to install a thicker concrete driveway for any reason, you can also ask your professional to install more rebar or wire mesh to provide greater strength and better resilience to damage.

Although some concrete cracks are cosmetic, others can be more serious. Cracks wider than ⅛ inch or that extend through the slab are serious and can cause structural damage. If you notice these types of cracks in your concrete patio, contact a local contractor who installs concrete patios to inspect the damage and determine how to fix it.

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.