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Foundation Repair questions, answered by experts

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.

Foundation repair uses methods such as underpinning, slab jacking, or application of hydraulic piers. Each technique is chosen based on structural needs, soil conditions, and damage extent, ensuring a stable and secure foundation.

You'll find a slurry of natural and synthetic polymers, rubbers, epoxies, and resins used to bond old concrete to new concrete. The right bonding agent depends on the method of concrete pouring you choose and whether you're adhering concrete over concrete or concrete over sand and gravel. Some concrete resurfacing mixtures contain bonding chemicals as well.

No, house settling is normal as your home’s foundation settles into the soil below and as the framing of your home shifts as it expands and contracts with changes in temperature and moisture. However, if you get to the point where your doors and windows aren’t opening easily, your floors are uneven, or you can visibly see that your roof line is wavy or uneven, you are more likely to have foundation issues.

The Hagerman, NM homeowners’ guide to foundation repairs

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