Does insurance cover a sinking foundation?

• <div><p>Homeowners insurance doesn’t usually cover a sinking foundation. While <a href="https://www.angi.com/articles/does-homeowners-insurance-cover-foundation-repair.htm">insurance will cover some kinds of foundation damage</a>, 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.</p></div>

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Q: Does insurance cover a sinking foundation?

• <div><p>Homeowners insurance doesn&rsquo;t usually cover a sinking foundation. While <a href="https://www.angi.com/articles/does-homeowners-insurance-cover-foundation-repair.htm">insurance will cover some kinds of foundation damage</a>, coverage is usually limited to damage from natural disasters, fire, or impact. Foundation sinking is rarely covered by insurance, so it&rsquo;s a good idea to make repairs early on to avoid costly problems in the future.</p></div>

Q: Does insurance cover foundation cracks?

• <div><p>Homeowner&rsquo;s insurance doesn&rsquo;t cover foundation cracks unless they&rsquo;re a result of a natural disaster like an earthquake, vandalism, or a vehicle accident that causes sudden damage. Taking care of your foundation to prevent problems with expansive soil and drainage is considered ongoing maintenance, and your insurance company expects the homeowner to carry out that preventative maintenance.</p></div>

Q: How much foundation settling is normal in a new house?

• <div><p>It&rsquo;s usually not a big deal if your foundation sinks between 2 and 3 inches into the ground after construction, provided the settlement occurs evenly. This is usually indicative of normal settlement that occurs as the soil under your home adapts to the weight of the structure. If the home sinks more into the ground or the settlement occurs unevenly, leaving portions of your home to sink further down than others, then call a foundation repair specialist to address the issue and avoid additional damage. </p></div>

Q: How long does it take to fix a slab leak?

• <div><p>Minor slab leaks normally take around three hours to access and fix, provided the leak is in an accessible location. However, a more extensive leak or a leak in a hard-to-reach location can take several days to fix, depending on the resulting damage. You might also want to consider the timeline for the build-back if the leak damages building materials like flooring or cabinets, which can take several weeks, including delivery of the materials.</p></div>

Q: How serious is foundation settling?

• <div><p>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&rsquo;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.</p></div>

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

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Last update on November 30, 2025

Reviewed in July 2025
Wanted a concrete pad but Derek noted major drainage problems. He removed grass and dirt and graded and installed new sod plus the pad. I am very pleased with the work as is the neighborhood!
Green Hills Construction
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Reviewed in May 2023
Joel came when he said he would, demonstrated excellent workmanship in repairing/replacing the steps to my front porch, AND he brought the project in for the amount he had estimated for both materials and labor!
Fort Dalles Contracting & Home Repairs LLC
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Reviewed in May 2018
Marlo was a real find. We had a serious leak on one of our single family family rental residences dating back to November. Initially, we had a so-called leak specialist for a $350 minimum fee who totally mis-diagnosed the location of the leak and blamed it on on a "debris dam" in one of the...
MCS Roofing and Construction Inc
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Reviewed in August 2017
They took care of the repair issues promptly and at a reasonable cost. Really a troublefree experience
At Your Service Appliance Repair
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Reviewed in October 2013
Took the 5th wheel in to get an estimate on repairing some holes in the roof. This led to the discovery of significant water damage. After Roberson gave An estimate to repair the RV the insurance company decided to total the RV so repairs were not made. The service department however was...
Roberson Rv
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Reviewed in October 2013
Dave was able to repair appliances at the time of his visit, even my old refrigerator, for a very reasonable price. Appreciate the fast and efficient repairs that were done correctly at the initial visit.
Dave The Appliance Guy
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Reviewed in September 2013
My husband is very mechanically inclined and after the a/c stopped working in our 1998 Tahoe he found a leak and able to find the parts to repair the leak but we wanted a professional to check the repairs, leak test, and recharge the A/C system. We were very pleased with Warrenton Auto & Marine...
Warrenton Auto Parts of Warrenton
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Reviewed in September 2013
Very punctual. Sam very efficient and thorough and the repair was effective
P & L Johnson Mechanical
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Reviewed in August 2013
They checked it out and did a good quick job for me. I used to do repairs myself a long time ago, and I had them give me an estimate for what they would charge to fix it. They correctly diagnosed the issue and I ordered the parts and repaired it myself. They disclosed their exact charge for...
MICHAEL'S ELECTRONICS
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Golden Craft Construction

Golden Craft Construction

Elite Flooring

Elite Flooring

Todd A Holliday construction

Todd A Holliday construction

Mister Fix It Company llc

Mister Fix It Company llc

4 C's Company Inc

4 C's Company Inc

TDX Construction llc

TDX Construction llc

2L Construction

2L Construction

Columbia Basin General Construction

Columbia Basin General Construction

RP Builders Construction

RP Builders Construction

Blackburn Masonry llc

Blackburn Masonry llc

The Canyon City, OR homeowners’ guide to concrete repairs

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