Is Foundation Repair Coverage Included in Homeowner’s Insurance?

by Posted in Contractor Services Tagged , , , , , ,

Homeowners can reduce the need for costly repairs by regularly inspecting their homes. Addressing plumbing leaks promptly and landscaping properly can also prevent problems.

Foundation Repair

Expansive clay soils can exacerbate foundation issues by pushing up a home during wet seasons and sinking it down during dry ones. A foundation contractor may recommend a support system like piers or slab jacking (also known as mud jacking). Contact Pros Foundation Repair Greensboro NC for professional help.

Small cracks in a foundation can be normal and harmless, but larger ones can be a serious warning signal. These gaps can be pathways for water infiltration, resulting in significant structural damage to the house and potential health risks to its inhabitants. It is vital to take the time to inspect and monitor these spaces, catching them early on when they are still minor issues.

The most common types of cracks in a foundation are hairline, or less than the thickness of a penny. These are usually caused by expansion and contraction of the concrete as temperatures rise and fall. This type of cracking is typically not a cause for concern, and will probably be fixed by itself in time. However, homeowners should be sure to watch these cracks for growth and call a professional if they do grow or continue to expand.

More serious cracks are those that have a jagged diagonal pattern or extend beyond a wall’s width. These are a sign that the structure is shifting or that pressure is being exerted on the foundation from outside. This could be due to soil movement, poor drainage, frost heave, hydrostatic pressure, construction flaws, or tree root growth. Any crack accompanied by a damp basement, sticking doors or windows, or uneven floors is a serious problem and should be addressed immediately to prevent further damage.

To reduce the risk of these types of cracks, be sure to monitor exterior soil erosion and keep trees and shrubs trimmed away from your home’s foundation. You should also be mindful of where rain gutter downspouts lead, ensuring they are directing water at least 10 feet from your foundation. Proper site preparation during construction and installation of quality materials are also important steps in reducing the risk of future problems. When these problems are spotted, there are many ways to fix them. These options include interior and exterior basement waterproofing, using epoxy or polyurethane injection to seal cracks, carbon fiber straps bonded with epoxy to reinforce walls, and installing wall anchors or helical tiebacks to straighten bowing or tilting foundation walls.

Structural Issues

If you notice horizontal cracks that run across ceilings and walls, or doors and windows that won’t open or close properly, these are warning signs of structural issues in your foundation. These are often caused by natural processes like ground shifting and soil movement, or poor construction or drainage. If left unchecked, these issues can worsen over time and lead to serious damage. Early detection and efficient solutions can prevent these problems from escalating into costly structural repairs.

A common cause of structural issues is the build-up of hydrostatic pressure on your foundation. This happens when water from the surrounding soil seeps into the structure and builds up against the bottom of your foundation. This can cause heaving and sinking, which can affect the entire building’s stability.

To prevent hydrostatic pressure from building up against your foundation, you can install drains around the home and extend downspouts so water flows away from the property. You can also prevent this issue by maintaining the slope of the soil around your home. If it slopes towards your foundation, this can cause water to pool near the foundation and create hydrostatic pressure.

You can also keep an eye out for any changes in your home’s structure and take action as soon as possible if you spot these issues. If you notice that your walls are cracking, or doors and windows are sticking, these are warning signs of foundation problems that need to be addressed immediately. This will help you avoid further damage to your home and ensure that it’s safe to live in.

Professionals will conduct a thorough assessment of the condition of your foundation and identify its root causes, which may include soil settlement, faulty construction, water damage, or other factors. This information will guide the repair strategy, ensuring that the most effective and efficient solution is implemented. This could involve filling in cracks, using piers to stabilize the foundation, or other techniques. It’s important to choose an experienced, qualified contractor for these services so that you can be confident that the repairs will be done correctly and efficiently.

Insurance Coverage

Homeowners often wonder whether foundation damage is covered by their insurance. It depends on the cause of the damage, the specifics of the policy, and whether or not the homeowner takes steps to prevent future problems. In general, homeowner’s insurance typically only covers foundation damage caused by fire, windstorms, certain water damage, and some types of soil movement. The major exceptions are floods and earthquakes, which require separate policies. Foundation damage caused by wear and tear, gradual settling, poor maintenance, and neglect is usually considered the homeowner’s responsibility.

If your insurance company approves your claim, you will receive payment for the repairs. This could be a lump sum or several payments over time, depending on your policy details and repair timeline. If your claim is denied, it is important to understand why so you can take steps to prevent similar issues in the future.

In some cases, your insurance company may approve the repairs even if the damage is caused by a type of incident not listed in your policy. For example, sudden and accidental water damage caused by a burst pipe may be covered, as long as the damaged foundation is not due to a prolonged seepage of water or flooding.

When filing an insurance claim, the homeowner must provide evidence of the damage and its impact on the home. In some cases, a professional inspection is required to determine the extent of the damage and how extensive repairs will be. It is also important to keep detailed records of all work performed on your property.

Preventative maintenance and regular inspections by a licensed, reputable foundation contractor can help homeowners avoid costly foundation repairs in the future. Inspecting and addressing minor cracks, drainage problems, and tree root intrusions promptly can reduce the risk of further damage. By taking care of these minor issues before they escalate, homeowners can protect their biggest investment and ensure that their home functions as intended for many years to come.

If you are concerned about the state of your home’s foundation, contact Pinnacle for a FREE consultation. Our team can diagnose your problem and recommend the right course of action. We offer a wide range of repair services, including foundation waterproofing, concrete leveling, and more.

Warranty

Few aspects of a home are as important to its long-term security and functionality as the foundation. When issues with a home’s foundation arise, it can create structural problems that can affect everything from the doors and windows to the roof and plumbing. These issues rarely go away on their own, and the most serious problems can even lead to significant damage that requires extensive repair work. Fortunately, a strong foundation repair warranty from a reputable contractor can help ease these concerns.

Before selecting a contractor to perform a foundation crack repair, it is important to research their reputation through recommendations and online reviews. In addition, a contract should be provided that details the scope of the work, timelines, and cost estimates. This information will enable homeowners to make an informed decision about the best contractor for the job.

The cost of a foundation crack repair depends on the extent of the damage and the method used to fix it. Some methods require less invasive construction and are generally less expensive. Others use more invasive techniques and are more costly. Homeowners can reduce the cost of a foundation crack repair by negotiating with contractors and asking for discounts. It is also important to prioritize repairs based on the level of urgency.

In some cases, a foundation problem can be caused by weather conditions that exacerbate the issue. For example, excessive rain can saturate the soil, leading to expansion and increasing the pressure on a foundation. Similarly, prolonged droughts can cause the soil to dry out and shrink, which can also increase pressure on a foundation.

A reputable foundation repair contractor should offer a transferable warranty that will protect the investment made in the repairs for future owners. This provides peace of mind not only for the current homeowners, but also for potential buyers down the line. The warranty should provide a description of the warranty period, coverage details, and transferability, which can be helpful in making an informed decision. 

How to Choose the Right Siding for Your Home

by Posted in Siding Repair Tagged , , , , , ,

Charleston Siding Pros protects and enhances your home, increasing its resale value. It comes in a variety of styles, colors and materials. Each offers advantages and drawbacks. The choice depends on your aesthetic preferences, cost, durability, maintenance needs, insulation and fire resistance.

Siding

Wood siding has a natural look but is expensive, requires regular maintenance and is susceptible to rot, insect infestations and wildfires.

Fiber cement siding is a durable, weather-resistant material that lasts longer than other materials. It’s also available in a wide variety of styles and finishes. It’s a smart choice for homeowners who want to protect their home from moisture, insects, and fire while adding visual appeal. It’s also an excellent choice for trim, soffit, and beadboard.

A few basic ingredients make up this siding: Portland cement, wood pulp, sand, and water. The cellulose fibers from the wood pulp give the planks flexibility, while the sand or fly ash helps fill in gaps between the panels and contributes to their durability. The Portland cement, made from iron, clay, and limestone, binds the materials together. The addition of the water catalyzes the cement into a solid substance.

The beauty of fiber cement siding lies in its versatility and durability. It can be painted or stained to match any style. It also resists the rot and mold that can affect other siding materials, such as wood and vinyl. It also resists rust and fire, making it an excellent choice for homes in harsh climates. While it’s more expensive than some other siding options, its longevity and resistance to the elements make it a worthwhile investment.

Unlike vinyl, which needs minimal maintenance, fiber cement requires regular painting and caulking. The material is also resistant to termites and other pests, so you won’t have to worry about the holes, nests, and scratches that often appear on other types of siding. It’s important to install the siding properly and regularly maintain it for maximum life. A few simple cleanings with low-pressure water and periodic inspections can help extend the lifespan of your siding.

The high upfront cost of fiber cement siding may discourage some people from considering it for their home. However, it’s worth the investment, as it provides a long-lasting exterior that looks beautiful and reduces moisture infiltration and rot. It also offers more design choices than brick or natural stone and is more energy-efficient than traditional claddings. It’s important to choose a reputable installer who will use high-quality materials and follow all installation steps carefully. It’s also important to take the time to check that all penetrations and gaps are caulked.

Natural stone

When it comes to enhancing your home’s exterior, stone siding is an excellent choice. This option adds a touch of elegance to your property and is easy to maintain. It is also highly resistant to rot, fire and most insects. However, natural stone is an expensive material and may not be practical for some homes.

There are several options for natural stone siding, including full and thin stone walls. Thin stone siding is ideal for non-load bearing walls, and is available in a variety of styles. It is easier to install than the full stone wall, and is less expensive. However, thin stone walls are susceptible to moisture damage if not properly sealed. To prevent this from occurring, it is important to use a good quality impregnating sealer.

Natural stone is a popular and durable siding option, but it requires regular maintenance to preserve its appearance. It is important to clean the surface regularly using a soft brush or sponge with warm water and a mild cleaner. Avoid using harsh cleaners that will damage the surface of the stone. In addition to cleaning the surface, it is important to protect the stone from rain and other weather elements.

Choosing the right color is crucial for achieving a great look. Choose a hue that complements the stone and your other siding materials. It is important to note that natural stone will contrast with other colors, so you should consider the other colors of your house when selecting a color for your stone.

Brick and natural stone are both timeless elements that enhance a variety of architectural styles. Brick brings a vintage feel to contemporary homes, and is an excellent choice for entryways and porches. Stone adds texture and depth to a flat surface, and can work well with a range of siding styles, from prairie style homes to Craftsman bungalows.

Manufactured stone veneer and faux stone have a reputation for being cost-effective. They are made from concrete poured into molds that resemble stone, and then stained to match the natural coloration of real stone. While the initial cost of faux stone is lower, it can be more expensive in the long run, especially when compared to the cost of maintenance.

Vinyl

The popularity of vinyl siding has grown over the years as a cost-efficient alternative to natural materials such as wood, and it adds value to your home. It is also low maintenance, durable, and energy-efficient. Many manufacturers offer warranties that guarantee its performance. It’s important to choose a professional contractor for installation. A poor installation job can lead to costly repairs or water damage. It’s also important to know how to properly maintain vinyl siding.

When choosing a color for your vinyl siding, consider the overall look you want for your house. Several colors are available to complement any style. You can even choose to have your siding textured to look like different types of wood. This can enhance your home’s curb appeal and give it a rustic or cottage-like feel.

Another benefit of vinyl siding is that it doesn’t require painting or staining. This option is made of sturdy PVC material that resists rot and decay, reducing your home maintenance costs. It is also weather resistant and can withstand wind speeds up to 110 mph. However, you should still wash your vinyl siding every year. Doing so will remove dirt and debris, and will prevent moisture from trapped in the seams of your house, which can accelerate rot.

To ensure proper installation of your vinyl siding, you need to use the right tools and follow the manufacturer’s instructions. In addition, you should always use galvanized or aluminum nails to prevent rusting. You should also check the recommended nail lengths.

In order to achieve the best result, it is important to install vinyl siding on a solid, level surface. You should also avoid installing it in wet or damp conditions. Moreover, you should not install vinyl over existing wood cladding or trim. During the installation process, it is important to cut the channels for windows and doors accurately. Incorrect cuts can cause a number of problems, including leaks and damage.

While it’s possible to do your own vinyl siding installation, it is highly recommended that you hire a professional. A professional can save you time and money, and will ensure that the project is done correctly. Additionally, hiring a professional can help you get the best price for your new siding.

Stucco

Stucco is a popular siding option for modern homes, and it comes in a variety of textures and colors. It is durable and requires little maintenance. Most homeowners simply pressure wash the surface once a year to remove watermarks and stains. Stucco also provides a more natural appearance than other types of siding. However, it is not maintenance-free, and small hairline cracks in the siding need to be repaired promptly. Stucco is an excellent choice for Mediterranean-style homes and can be used to achieve a number of architectural designs and styles.

While traditional stucco has insulative properties similar to those of a brick wall, it isn’t typically considered an insulation product. It does, however, offer an acoustic effect that dampens noise from outside. Additionally, stucco is extremely fire resistant and lasts a lifetime without needing to be painted.

One disadvantage of stucco is that it’s not as resilient as other siding materials, especially when exposed to moisture. Over time, moisture can cause fungi and mold growth and damage internal structures like wood and drywall. Moisture can also be problematic for a home’s foundation, leading to settlement and cracking. Therefore, stucco isn’t recommended for areas with frequent rain or rocky soils.

A homeowner who wants to repair their stucco should consider hiring a professional contractor. A professional will thoroughly inspect the existing siding and any underlying framing or materials to determine the condition of the wall’s structure. The contractor will then remove any deteriorating material before applying new stucco. This process can take up to a week, and it’s best to hire a contractor who has extensive experience in this type of work.

After the installation is complete, the contractor will sand the stucco and apply a fresh coat of paint to match. It’s important to choose the right color because once the stucco is harmed, it’s nearly impossible to restore it to its original condition.

Whether you choose to use fiber cement or stucco on your home, both are attractive options and offer solid returns on investment. Both products are rated highly in national cost-vs.-value surveys, though fiber cement edges out stucco in a few categories.