Does homeowners insurance cover foundation cracks and repair?

• <div><p>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.</p><p>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.</p></div>

Should I repair or replace crumbling concrete steps before adding a railing?

• <div><p>Crumbling concrete steps will affect your ability to drill into the material and affix a sturdy railing. If the damage is primarily cosmetic, you might be able to DIY the repair with a patch kit. If the concrete is badly crumbling, hire a professional who specializes in pouring concrete. The average <a href="https://www.angi.com/articles/how-much-does-it-cost-repair-chipped-broken-concrete-step-steps-lead-front-door.htm">concrete step repair cost</a> is <b>$500</b> from a professional, but the extent of the damage will determine your actual cost. The professional may recommend a replacement if the damage is extensive.</p></div>

Will your foundation be able to support a second story?

• <div><p>Most single-story homes don't have foundations strong enough to support a second story, but they can be reinforced for an addition. A structural engineer can assess your foundation and what needs to be done to get it ready. They'll look at any cracks or unevenness in your current foundation and consider any special framing or beams your home needs, especially if it’s in a high-wind or hurricane area.</p><p>“To support a second story, many structural engineers will require that you install additional concrete piers in the crawlspace,” says Tschudi. “This involves hand excavating, pouring a large concrete footing—usually with specially coated rebar—and then building concrete piers right up to the girders.”</p></div>

Get matched with top concrete repair specialists in Truth Or Consequences, NM

Q: What are common signs that a foundation needs repair?

• <div><p>Cracks, shifting, or uneven floors indicate potential foundation issues.</p></div>

Q: What percentage of homes have foundation problems?

• <div><p>Around 25% of homes have foundation problems - it&rsquo;s a very common issue. Foundation problems can range from very minor to severe and urgent. Call a foundation inspector to determine the severity of any potential issues you identify with your foundation.</p></div>

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Verified Reviews for Concrete Repair pros in Truth Or Consequences, NM

*The Angi rating for Concrete Repair companies in Truth Or Consequences, NM is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Concrete Repair needs.

*The HomeAdvisor rating for Concrete Repair companies in Truth Or Consequences, NM is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Concrete Repair needs.

Last update on September 27, 2025

Reviewed in September 2025
They always answer the phone & do what they say. I was very happy with their services. Right away they fixed my dryer.
AJ's Appliance Repair, LLC
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Reviewed in March 2024
I am a realtor and we hired them to clean out a house and yard. Matt was dependable, he showed up when he said he was going to, and did the job in a timely manner with great customer service. He went above and beyond and made it better than I had anticipated. I will hire him again, and I will...
DTH Debris & Trash Hauling
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Reviewed in November 2022
Jared and his crew were professional, and I am very pleased with their service. I recommend them and will definitely use them again!
Voyage Moving
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Reviewed in November 2020
Excellent work and we are highly satisfied. Adolf, owner, promptly returned our call and reviewed the job we needed done which was to RE-stucco our 22 year old home. He was very professional, took the time to explain the differences (pros/cons) between stucco material, and what work his business...
Enchanted Stucco
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Reviewed in October 2020
Kleanforce Environmental comes highly recommended. They promptly return calls and arrive at the scheduled time and place as promised. They are extremely efficient, knowledgeable and professional. A bathroom water leak, 7 years ago, in a bathroom exterior wall created the unknown mold issue in...
Kleanforce
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Reviewed in August 2020
Air Mechanical answered the call at 9:30 pm on a Friday night. Service tech tried to trouble shoot the mechanical failure over the phone. After troubleshooting failed, he scheduled a time for first thing in the morning to repair the issue. Issue was fixed on Saturday by 2 pm. Temperatures were...
Air Mechanical LLC
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Reviewed in January 2019
Danny arrived promptly and worked quickly. In about 2 hours he completed a thorough inspection of the house. He took pictures to document anything that needed repair. He verbally advised me of the major things that were wrong with the place, then provided me with a 35 page report (with photos)...
Sandia Home Inspections
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Reviewed in November 2010
They are terrific. Gary comes frequently. He does odd jobs for me. I leave him a list of things that are broken and leave the house. Everything is fixed by the time I get done. He painted all my kitchen cabinets and they look like new. They were an old 70s model and they are just beautiful now....
Gary's Home Improvement
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Find Concrete repair specialists in Truth Or Consequences

Vista Del Sol Construction

4.9(

)

Serving Truth Or Consequences, NM and surrounding areas

Approved

In business since 1994

Emergency services offered

Warranties offered

"Interior repairs are good ontime"

+72

Response time1 day

Recommended by89%of homeowners

Serving Truth Or Consequences, NM and surrounding areas

Approved

In business since 2005

Free estimates

Credit card accepted

Allied Construction specializes in concrete and manufactured home foundations. We are always prompt, professional and provide excellent work on any size project. Our customer service is second to none. Call Allied Construction today, you'll be glad you did!

1 neighbors recently requested a quote

Recommended by100%of homeowners

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Groundworks

New to Angi

Serving Truth Or Consequences, NM and surrounding areas

Approved (Corporate)

In business since 2017

Free estimates

Warranties offered

Groundworks is the North America?s leading and fastest-growing foundation repair and water management solutions provider. Groundworks is a vertically integrated company with its own manufacturing operations and a world-class software solution, allowing us to serve our customers more effectively. From the first phone call to the annual maintenance offered, our customers have peace of mind knowing we?re there with one mission ? to repair, protect and improve their home.\nFor state licenses visit Groundworks.com/licensing\n

+16

46 neighbors recently requested a quote

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Sangre De Cristo Paving & Excavating

4.2(

)

Serving Truth Or Consequences, NM and surrounding areas

In business since 1986

Free estimates

Emergency services offered

"Due to inclement weather the crews worked extended workdays to complete all work on schedule. They picked up and removed all trash and excess materials daily. The actual work performed was exceptional. I am very pleased with the job and highly recommend this company."

+17

Recommended by92%of homeowners

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Southwest Helical Solutions, LLC

5.0(

)

Serving Truth Or Consequences, NM and surrounding areas

In business since 2015

Free estimates

Offers commercial services

"I was pleased with everything. They were very professional and clean, they did not leave a dirty job site when they were done."

Response time5 days

Recommended by100%of homeowners

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SMRT Construction Services Inc.

3.3(

)

Serving Truth Or Consequences, NM and surrounding areas

In business since 1984

Free estimates

Emergency services offered

"First of all, most contractors give you an estimate without charging, and this really was nothing more than that. When he looked at the area to be remodeled, he gave me many more options than in the final plans, and it wasn't what I needed.
"

Recommended by58%of homeowners

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2 Daughters Painting & Handyman

5.0(

)

Serving Truth Or Consequences, NM and surrounding areas

In business since 1990

Free estimates

Emergency services offered

"Great, on time, on budget...."

Recommended by100%of homeowners

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Concrete Inc.

New to Angi

Serving Truth Or Consequences, NM and surrounding areas

In business since 2008

Free estimates

Credit card accepted

Concrete Inc. is dedicated to providing our customers with the best quality and craftsmanship. We are here to build relationships with our customers and communities and to provide our employees with a great place to work. We look forward to working with you!!!!!!!!!!!!\n

Serving Truth Or Consequences, NM and surrounding areas

In business since 2006

Free estimates

Credit card accepted

Welcome to Plum-Struction! We specialize in foundation repair for sinking or settling homes and commercial buildings. We are also a reputable construction and plumbing company (Plum-Struction) and are licensed for both trades.

Response time10 hrs

Response rate88%

Recommended by100%of homeowners

Serving Truth Or Consequences, NM and surrounding areas

In business since 2006

Free estimates

Small jobs welcome

Lannick Construction was started in 2009 by Ted Hedgecock. Ted has many years of experience in all types of construction. He has a great passion for his work and will always make sure it is completed to the customers liking. Please give us a call or message us. We would love to meet with you to see if we can help make your vision for your home or business a reality. Look forward to hearing from you and having the opportunity to work together. \n\n

Response time11 hrs

Recommended by100%of homeowners

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Showing 1-10 of 12

Concrete Repair questions, answered by experts

Cracks, shifting, or uneven floors indicate potential foundation issues.

Around 25% of homes have foundation problems - it’s a very common issue. Foundation problems can range from very minor to severe and urgent. Call a foundation inspector to determine the severity of any potential issues you identify with your foundation.

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.

Crumbling concrete steps will affect your ability to drill into the material and affix a sturdy railing. If the damage is primarily cosmetic, you might be able to DIY the repair with a patch kit. If the concrete is badly crumbling, hire a professional who specializes in pouring concrete. The average concrete step repair cost is $500 from a professional, but the extent of the damage will determine your actual cost. The professional may recommend a replacement if the damage is extensive.

Most single-story homes don't have foundations strong enough to support a second story, but they can be reinforced for an addition. A structural engineer can assess your foundation and what needs to be done to get it ready. They'll look at any cracks or unevenness in your current foundation and consider any special framing or beams your home needs, especially if it’s in a high-wind or hurricane area.

“To support a second story, many structural engineers will require that you install additional concrete piers in the crawlspace,” says Tschudi. “This involves hand excavating, pouring a large concrete footing—usually with specially coated rebar—and then building concrete piers right up to the girders.”

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