Get matched with top foundation repair specialists in Libby, MT

Minor hairline cracks in your concrete may not look pretty, but they’re often not serious. It’s when concrete cracks are larger—wide enough that you can slide a credit card into it—that you need to worry. If you monitor a crack and can trace its active expansion over time, you’ll definitely want to call in a pro to inspect it and, potentially, repair it. Want to prevent cracks in your garage and driveway concrete in the future? Stay on top of sealing. Here’s how to seal your concrete garage floor and driveway.

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 settlement should be a concern if you notice it happening suddenly and years after construction, if the settlement results in signs of structural damage in your home, or if it happens after a flood, nearby sinkhole, or earthquake. Some signs of severe foundation settlement that should prompt you to call a repair specialist include sloping or uneven floors, large cracks in your foundation, moisture issues or pest infestation in your basement or crawl space, and an uneven roofline.

Some foundation repairs are permanent, like underpinning and exterior drainage systems like the French drain. These fixes address the underlying problems—insufficient support from the soil and hydrostatic pressure on your foundation walls, respectively—so they can last for many decades, making them “lifetime fixes.” There are other solutions to address these issues that will last for up to a decade, making them temporary. These include slabjacking to raise concrete slabs back into place and dampproofing to reduce the water in the soil that interacts with the concrete foundation.