Does homeowners insurance cover foundation cracks and repair?

• <div><p>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.</p><p>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.</p></div>

Why is my concrete cracking?

• <div><p>Concrete can crack from general wear, improper installation, or in response to uneven support from the soil underneath. Small, thin cracks on the surface of aging concrete are usually a result of normal wear and tear, while <a href="https://www.angi.com/articles/does-freshly-poured-concrete-normally-crack.htm">cracks on new concrete</a> more likely indicate a problem with installation. Larger cracks or uneven steps can signify a much more severe issue. A concrete contractor should be able to diagnose the cause and <a href="https://www.angi.com/articles/how-to-repair-concrete-cracks.htm">repair concrete cracks</a> for you.</p></div>

Top-rated foundation repair specialists.

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Q: What happens if your foundation isn't square?

• <div><p>If your foundation isn&rsquo;t properly square, there&rsquo;s a chance that anything you built before detecting the issue may need to be torn down. A major miscalculation could leave some walls of your home unsupported. </p></div>

Q: How do I hire a reliable foundation repair company?

• <div><p>It&rsquo;s crucial to hire a foundation company that&rsquo;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.</p></div>

Q: How do professionals assess foundation damage?

• <div><p>Detailed inspections and tests to determine the extent and cause.</p></div>

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Verified Reviews for Foundation Repair pros in Forsyth, MT

*The Angi rating for Foundation Repair companies in Forsyth, MT is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Foundation Repair needs.

*The HomeAdvisor rating for Foundation Repair companies in Forsyth, MT is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Foundation Repair needs.

Last update on September 22, 2026

Reviewed in September 2026
We had six windows replaced. They were super helpful throughout, and did a fabulous job! The installation was super fast and professional. Thank you for everything!
Renewal by Andersen of Montana
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Reviewed in May 2026
My home is small and pretty straight forward, but his crew arrived 100 miles out from Billings and got right to work. On and off in a days' time and cleaned when they left! Correspondence was phone, text and paper, done professionally.
Diamond Roofing and Solar, LLC
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Reviewed in April 2024
My go to for all our needs! A contractor who has attention to detail. Was flexible with my thoughts and allowed a changes during the work.
Blackwell Custom LLC
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Reviewed in June 2022
Timely, friendly and affordable service! I will be using Big Horn Appliance Repair in the future!
Big Horn Appliance Repair and Maintenance
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Reviewed in December 2012
I would not recommend the Ashley furniture store in billings mt. I am a newly wed and me and my wife went into Ashley to purchase a furniture set. We were looking at this brown Swed set. We were told by the first salesman that it was included in the 20% off category so we said we would take it...
ASHLEY FURNITURE
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Find Foundation repair specialists in Forsyth

Groundworks

4.3(

)

Concrete Foundation - RaiseFoundation, Basement or Crawlspace - Waterproofing / EncapsulationConcrete Foundation - Repair+1 more

Serving Forsyth, MT and surrounding areas

Approved (Corporate)

In business since 2010

Free estimates

Warranties offered

"we had concrete pads added after home construction. One pad had a 2 inch settlement on one corner. Complicating this was a stone wall sitting atop the pad. Excellent restoration was done by Groundworks From Bozeman. After a thorough evaluation by Ben, Chelsea and Tyler were prompt, educational and successful. I Highly recommend this company for your concrete/foundation needs."

+16

Response time2 days

13 neighbors recently requested a quote

Recommended by72%of homeowners

Foundation Drainage - Install or Replace

Serving Forsyth, MT and surrounding areas

Approved

In business since 2019

Free estimates

Warranties offered

"Ty arrived on time. He is very professional and personable. He assessed the problem immediately and fixed it!! It’s good as new again and I am very impressed and very happy!"

+28

Response time3 days

18 neighbors recently requested a quote

Recommended by25%of homeowners

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TCH Builders & Remodeling

4.0(

)

Concrete Foundation - RaiseConcrete Foundation - RepairPoured Concrete Wall - Repair

Serving Forsyth, MT and surrounding areas

In business since 1999

Emergency services offered

Credit card accepted

If you dream it, we can build it. What's the biggest difference between us and them? We build to last! We offer a full line of Green and Energy Star Certified products, backed by our labor and manufacturer's lifetime transferable warranties. Credit Cards Welcome Financing Available OAC.

Recommended by100%of homeowners

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Hampton Enterprise LLC

3.7(

)

Foundation Drainage - Install or ReplaceFoundation, Basement or Crawlspace - Waterproofing / Encapsulation

Serving Forsyth, MT and surrounding areas

In business since 1989

Free estimates

Emergency services offered

"They were good. They were pretty fast and came on time. My overall experience with them has been good."

Recommended by60%of homeowners

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J & J Landscaping and Construction

New to Angi

Poured Concrete Wall - Repair

Serving Forsyth, MT and surrounding areas

In business since 2014

Free estimates

It can be a daunting task looking for not only the right contractor for your job but also the right contractor for you. We completely understand what you're going through. We know every customer has different desires, different needs and different schedules. We're not only here to turn your ideas into reality but to make it a memorable experiences every step of the way. Call us right now, no matter where you are in the planning process.

Response time2 days

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Ostermiller Construction LLC

New to Angi

Poured Concrete Wall - Repair

Serving Forsyth, MT and surrounding areas

In business since 2023

Free estimates

Credit card accepted

Ostermiller Construction LLC in Shepherd, MT specializes in concrete, asphalt, curb, driveway, walkway, sidewalk, parking lot construction, and dirt work. We offer free estimates.\n\nWe serve in Shepherd, MT, Broadview Town MT; Roundup MT; Camp Three MT; Klein MT; and the surrounding areas.\n\nAsphalt Repair, Asphalt Contractor, Asphalt Driveway Repair, Asphalt Crack Repair, Parking Lot Asphalt Repair\nConcrete Service\n\nFor more information visit our website: https://constructionshepherdmt.com/

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Home Owners Concrete

New to Angi

Poured Concrete Wall - Repair

Serving Forsyth, MT and surrounding areas

In business since 2018

Free estimates

Credit card accepted

We invite you to experience a tradition of customer satisfaction that will exceed your greatest expectations. Our professionalism and quality workmanship will accurately reflect your taste and lifestyle. From conception to completion, we work with you until the job is done. We are ethical, honest, and easy to communicate with.\nCall us today you'll be pleased you did. Thank you\n

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Foundation Repair questions, answered by experts

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.

If your foundation isn’t properly square, there’s a chance that anything you built before detecting the issue may need to be torn down. A major miscalculation could leave some walls of your home unsupported.

Concrete can crack from general wear, improper installation, or in response to uneven support from the soil underneath. Small, thin cracks on the surface of aging concrete are usually a result of normal wear and tear, while cracks on new concrete more likely indicate a problem with installation. Larger cracks or uneven steps can signify a much more severe issue. A concrete contractor should be able to diagnose the cause and repair concrete cracks for you.

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.

Detailed inspections and tests to determine the extent and cause.

The Forsyth, MT homeowners’ guide to foundation repairs

From average costs to expert advice, get all the answers you need to get your job done.

See all articles

Ginny Bartolone
•
Aug 3, 2026Aug 3, 2026
How Much Does Foundation Repair Cost? [2026 Data]
Foundation repair costs can be tricky when you have a large repair on your hands. This guide walks through costs from small cracks to total replacement.
Timothy Moore
•
Sep 18, 2026Sep 18, 2026
How Much Does Pier and Beam Foundation Repair Cost? [2026 Data]
Worried about pier and beam foundation repair costs? Get a better understanding of how to budget by learning about the repair methods available to you.
Kyle Schurman
•
Jul 10, 2026Jul 10, 2026
How Much Does Underpinning a Foundation Cost? [2026 Data]
Unstable or sinking foundations require comprehensive and expensive solutions. Learn about foundation underpinning costs in this guide to set your budget.
Em Norton
•
Apr 6, 2026Apr 6, 2026
Who to Call to Repair Foundation Issues
Foundation issues are critical, so knowing how to manage them is too. Use this guide to learn who to call for foundation repair.
Catherine Hiles
•
Apr 6, 2026Apr 6, 2026
5 Questions to Ask About Concrete Foundation Repair
Minor foundation issues should be repaired before they become a major problem. When hiring a pro, consider these concrete foundation repair questions.
Em Norton
•
Jul 31, 2026Jul 31, 2026
What to Know Before Buying a House That Had Previous Foundation Repair
A house’s history of foundation repairs doesn’t always mean you shouldn’t buy it. Learn what to consider when purchasing a house with an unstable past.