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Yes. Foundation walls are always load-bearing.

Yes, you can live with a cracked foundation—in fact, most people do. Virtually all foundations crack from normal settlement, and while settling cracks benefit from sealing to prevent water and moisture intrusion, most aren’t an issue. If you have structural cracks in your foundation, it might be safe to live in your home for some time, but you should address them immediately to prevent structure collapse and major property damage.

Tree roots don’t necessarily break through concrete on their own, but they can certainly take advantage of existing cracks, even very small ones. As roots grow, they expand the cracks, making them larger and leading to serious and costly foundation damage. It’s a good idea to have repairs on any foundation cracks you’re concerned about.

Foundation repairs typically require a building permit, depending on the state and local jurisdiction. Make sure your contractor follows all building codes, and a local building inspector will review all work to ensure that it is up to code. Not following local building codes can prevent the sale of your home and potentially put your home at an even greater risk of damage if the work isn’t done properly. You can call your local municipal office to confirm that your contractor has filed the necessary permits.