Get matched with top foundation repair specialists in Libby, MT

In most cases, yes, homeowners insurance will cover burst pipes, even if they run through your foundation. Not only that, but most home insurance companies will also cover any foundation repair you need done that resulted from the plumbing leak because your insurer will view the leak as an unforeseen and non-preventable issue.

You can use a level or straight-edge to test for plumb foundation walls and a level slab, a level or a ball to check for sloping floors inside your home, and a hygrometer to look for moisture in your underhome area. Aside from these DIY tests, it’s important to get a foundation repair specialist or structural engineer to test the foundation to see if it’s supporting your structure properly. They can determine if the loads on the concrete are uneven or need reinforcement.

Not all cracks in brick indicate foundation problems. For instance, small hairline cracks can occur as a new construction settles. However, larger cracks are often a sign of a more severe issue. Indicators of a potential foundation problem include long horizontal cracks, "stair-step" cracks, vertical cracks that appear indoors, or any crack that widens at the top. Other signs of structural damage to look for are uneven floors and doors or windows that stick. These issues could be caused by problems with the soil beneath the home or an overgrown tree.

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.