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Foundation settling is normal and expected if just a small amount of settlement occurs within a year or so after construction. This usually results in hairline cracks in the foundation, which aren’t typically a problem. If settlement occurs years after construction, unevenly under your home, or results in signs of structural damage, then it could be very serious. Foundation stabilization and drainage system installation to fix unnatural settlement can cost tens of thousands of dollars and compromise the structural integrity of your entire home.

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

Although it is possible for a house to collapse from a sinking foundation, it will likely take many years, and signs of major issues will be apparent for a while. Homes on hillsides or in areas that experience frequent washouts are at a higher risk of collapse. Still, barring a natural disaster or extreme circumstances, houses are unlikely to fully collapse from foundation damage.

Most homeowner’s insurance policies will cover the cost of slab leak repair that results from a natural disaster, like an earthquake or a severe flood, or from a tree falling on your home. Damage from frozen pipes in your slab is also typically covered. However, your policy is unlikely to cover the repair if an invading tree root causes the damage or if it’s a pinhole leak that results from corrosion. You should contact your insurance provider for a full run-down of what they cover.