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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.

The best solution to fix a foundation crack in your basement floor depends on the underlying cause. If you just have hairline cracks from settlements that are no longer growing, the best option is to seal them with a crack sealant. If the cracks continue to grow, one edge rises above the other, or there are signs that water is getting in through the crack, a professional repair will be necessary. Depending on the root cause, your professional may employ foundation underpinning or some other type of stabilization, seal the cracks, or install a drainage system.

You can use epoxy-based concrete fillers to repair small cracks and dents in the floor. For larger damages, remove any debris, then patch the cracks or holes with concrete repair products or resurface the entire floor. We recommend using fast-curing products that cure in four hours. You can also buy a pre-mixed concrete patch and leveler if you are only repairing parts of your floor.

A leak under your foundation from a water supply line or sewage line is likely to lead to water pooling on certain areas of your property during rainfall, abnormally fast-growing or green grass in certain sections of your lawn, and differential settlement of your foundation, which can result in large foundation cracks, windows and doors failing to operate properly, a wavy or sloping roofline, or damages or irregularities in your interior walls, including cracks and bulging. If it’s a plumbing line embedded in your slab, you’ll also likely notice above-average water bills.