Get matched with top concrete repair specialists in Fort Sumner, NM

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.

Foundation repair costs $250 for a minor crack that doesn’t affect the structure’s integrity, although it can cost as much as $800 if it’s a major crack. Call a pro to get it fixed as soon as possible if your crack is bigger than 1/8 inch wide. Additionally, if you need to seal the foundation to fix leaks, it can cost approximately $2,000 to $7,000.

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.

Most of the time, normal foundation settling will present as thin cracks in the foundation and minor creaks in the floorboards. In contrast, you can identify foundation issues by wide or uneven foundation cracks, horizontal or step-shaped gaps on the foundation wall, or cracks that go around corners of your foundation. Foundation problems can also cause changes in your living area, like increased humidity, uneven or sloping floors, nail pops in drywall, countertops pulling away from the wall, and windows and doors getting stuck. When in doubt, call in a professional to identify the underlying cause.