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Homeowners insurance doesn’t usually cover a sinking foundation. While insurance will cover some kinds of foundation damage, coverage is usually limited to damage from natural disasters, fire, or impact. Foundation sinking is rarely covered by insurance, so it’s a good idea to make repairs early on to avoid costly problems in the future.

Foundation cracks that are 1/8 inch wide or less, aren’t uneven across the gap, and don’t continue widening over time are usually just normal settling cracks and don’t suggest structural issues. Horizontal cracks and stair-step cracks on foundation walls, any cracks that continue widening, are wider than 1/8 inch, or where one side juts out beyond the other, are often indicative of structural damage.

The actual foundation repair costs will depend on the extent of the damage, how many blocks you need, labor costs, and material costs. As an estimate, the average repair costs for a cinder block foundation fall between $350 and $25,000. Because the range is so large, it’s important to call a professional foundation repair company and have them assess the damage and estimate the repair costs.

You can strengthen a weak foundation using a few different foundation repair methods, including underpinning, slab jacking, foam jacking, installing carbon fiber support strips, or using a sealant or epoxy crack injection. It’s worth noting that the best way to strengthen your foundation permanently is to fix the underlying issue first and then use a permanent solution to reinforce it. If you’re unsure who to call for foundation repairs, a foundation repair contractor or structural engineer can help find the best solution for your home.