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If foundation problems are not fixed, they will likely worsen over time, leading to more complex and expensive repairs. Neglecting a damaged foundation can cause a range of issues, including:

• Structural Damage: Minor problems like small cracks can escalate into major structural issues. This can damage the house above the foundation and, in severe cases, lead to foundation walls caving in or a total collapse.

• Water Damage and Pests: Moisture and water intrusion can cause flooding, mold growth, and pest infestations.

• Health and Safety Risks: Mold can lead to poor indoor air quality and other health risks, while structural instability poses a significant safety hazard.

• Reduced Home Efficiency: A compromised foundation can negatively impact your home's energy efficiency.

To avoid these escalating problems and costs, it's best to hire a foundation repair company to address any issues as soon as you become aware of them. The earlier problems are discovered and fixed, the lower the repair cost will likely be.

Most building departments will require that a certified and licensed foundation repair professional or a structural engineer pull permits for foundation repair, so homeowners usually cannot pull them themselves. This helps ensure that an experienced professional completes all structural work on your home. Minor repairs that are technically DIYable often won’t require permits, but it’s still a good idea to hire a professional to carry out foundation repairs.

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.

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.