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Water damage to a foundation often starts as a slow leak or water vapor problem that worsens over the course of months or even years. The speed at which foundation leaks worsen depends on a few factors, including your climate and location, the soil composition around your home, the foundation drainage system you have in place, if any, and the type of foundation you have. Even if you have a minor issue that’s slow to develop, it’s best to have a professional address the issue immediately.

Concrete spalling can be fairly serious, especially if left untreated or in a public area. It can be a tripping hazard and, if not resolved, can lead to structural instability.

Cracked tiles can mean foundation problems. Fortunately, most of the time, cracked tiles happen as a result of accidental damage. It is important to determine the cause of cracking to rule out underlying foundation issues. If your tiles were not damaged due to dropped items, heavy loads, poor installation, or inferior tile quality, and the cracks are spreading throughout your flooring and not limited to just one area, you may be dealing with foundation problems. These can include drainage problems and even foundation failure, so it is vital to call a licensed contractor to assess the issue and ensure your foundation is safe.

No, foundation repair is not usually covered by home insurance. Most home insurance companies typically consider foundation repair as part of your home maintenance, so they won’t cover the cost. However, foundation damage is sometimes caused by covered events such as a burst pipe or a house fire. In these cases, repairs may be covered.