Get matched with top concrete repair specialists in Mountainair, 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.

Concrete can crack from general wear, improper installation, or in response to uneven support from the soil underneath. Small, thin cracks on the surface of aging concrete are usually a result of normal wear and tear, while cracks on new concrete more likely indicate a problem with installation. Larger cracks or uneven steps can signify a much more severe issue. A concrete contractor should be able to diagnose the cause and repair concrete cracks for you.

The most cost-effective foundation repair is using masonry patches and sealants to seal foundation cracks and offer some support to prevent further damage. These methods are used to fix minor foundation cracks quickly. However, they’re not suitable as a long-term solution, and they only offer minimal stability. On average, masonry patches and sealants cost $500, but a sealant like an epoxy crack injection can total over $2,000. If you’re handy and only looking for a temporary solution until you contact a local foundation repair contractor for a more permanent one, you can save hundreds by DIYing this repair.

Whether you need a permit for foundation repair depends on your location and the scope of the work. Major repairs like foundation stabilization typically require a building permit, while smaller projects such as sealing non-structural cracks or applying waterproofing solutions often do not. It's crucial that your contractor follows all local building codes, as an inspector will review the work to ensure it's up to standard. Failing to obtain the necessary permits can create issues when selling your home and may lead to further damage if the work is not done correctly. Your foundation repair specialist will usually know if a permit is needed and can handle the process for you. You can also contact your local building department or municipal office to confirm the requirements and verify that your contractor has filed the appropriate paperwork.