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Not all cracks in brick indicate foundation problems. For instance, small hairline cracks can occur as a new construction settles. However, larger cracks are often a sign of a more severe issue. Indicators of a potential foundation problem include long horizontal cracks, "stair-step" cracks, vertical cracks that appear indoors, or any crack that widens at the top. Other signs of structural damage to look for are uneven floors and doors or windows that stick. These issues could be caused by problems with the soil beneath the home or an overgrown tree.

Homeowners insurance doesn’t usually cover a sinking foundation. While insurance will cover some kinds of foundation damage, coverage is usually limited to damage from natural disasters, fire, or impact. Foundation sinking is rarely covered by insurance, so it’s a good idea to make repairs early on to avoid costly problems in the future.

Yes, foundation repairs are worth it if you have a significant problem or see signs that could worsen if not dealt with. If your foundation fails, your home can lose up to 20% of its value. Protecting your home from serious structural damage and avoiding more costly repairs later is well worth the money.

There are a few ways to reinforce a pier and beam foundation, including installing additional piers and beams for added support and performing underpinning, which redistributes the weight of your home further down into the ground where frost and soil expansion don’t pose a threat to the foundation. The best option for reinforcement varies based on your particular home and the soil conditions beneath it.