Get matched with top concrete repair specialists in Berino, NM

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.

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.

If your concrete steps have crumbled or chipped, you can fix them by removing any chips or flakes, cleaning and wetting the affected area, applying a concrete bonding agent, and finally applying new concrete, usually in the form of Portland cement. For widespread damage, you can consider concrete resurfacing instead. For fixing concrete spalling that has led to deep damage, you might need to remove damaged material, add structural supports, and pour new concrete into a mold.

Whether your homeowners insurance covers slab leak repairs depends on your specific policy and the cause of the leak. Many policies cover slab leaks resulting from a covered peril, such as a natural disaster, a falling tree, or pipes freezing and bursting within the slab. However, damage caused by invading tree roots, corrosion, or leaks from appliances may not be covered by a standard policy. It's a good idea to also check your home warranty plan for potential coverage if an appliance is the source. Contact your insurance provider for a full explanation of what your policy covers.