Is Foundation Repair Coverage Included in Homeowner’s Insurance?

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. 

What Is Foundation Repair and Why Is It Necessary?

Foundation Repair is a process of reinforcing and stabilizing the foundation under your home. The method chosen for your home depends on the composition of the soil under it.

Foundation Repair

Steel piers are the most permanent option but can be expensive. These galvanized steel piers are driven into the soil beneath your house until they reach stable, load-bearing bedrock or soil. Click Here to learn more.

Your foundation is the backbone of your home. It holds up every single structure and makes it possible for your family to live comfortably inside. But just like any other part of your house, the foundation needs to be cared for in order to continue functioning properly. If you are noticing signs that your foundation isn’t working the way it should, such as doors that stick or gaps developing in trim work, it’s important to have a professional evaluate and repair the problem as soon as possible before it worsens.

Once a professional has assessed the condition of your foundation, they will create a plan for how to best fix it. This typically involves the use of one or more methods that lift and support your foundation so it can get back to its original elevation. Most often, this will be achieved by using a method called slab jacking. Slab jacking is a process of pumping material into the concrete to raise hollow sections of the foundation. It’s a great solution for emergency foundation issues because it can be done quickly and doesn’t require excavation. There are different types of slab jacking materials, including high-density polyurethane foam, which is the preferred choice for raising highways and residential concrete.

Another common method of repairing foundations is to install carbon fiber wall reinforcement. This is an effective solution for walls that have a lot of movement in them. Helical tieback anchors can also be used to help straighten a bowed or leaning wall, and they are usually installed in the interior of the foundation under pressure.

The final method of restoring functionality is by installing new support piers underneath the foundation. This is the most expensive option but also the most effective for preventing future damage to your home’s foundation. Most of the time, these piers are located along the entire perimeter of your house. If the middle of your home requires support, this can be accomplished by using spot piers or segmented piers.

Restoring the Original Elevation

Foundation repair involves bringing the foundation back to its original elevation. The reason behind this is that the home was built to sit in a specific position, and all systems of the house work best if it stays there. A sunken foundation can sag and cause problems in the interior of the home, including leaky basements. Whether you’re dealing with just one section of a sinking foundation or the entire thing, a professional can bring your foundation back to its intended level.

Many homeowners are familiar with DIY projects like painting walls or installing new flooring. While there’s nothing wrong with that, some projects are more complex and require a professional for successful completion. This is especially true with foundation repairs. The process of excavating and drilling into your foundation walls requires a high degree of technical expertise, tools and materials not easily found at the local hardware store. A foundation repair company can provide these services with minimal disruption to your home and its contents.

After the repairs are complete, it is possible that some small cracks will appear in your home’s walls as it adjusts to its new position. These are not necessarily signs of further movement but rather a natural response to the changes in your home’s structure as it settles into its new position.

Depending on the severity of your foundation issues, a variety of different methods are used to stabilize and lift your foundation. For example, steel piers can be driven into the ground underneath your home to provide additional support to sinking portions of the foundation. Hydraulic jacks can then be attached to these piers to raise your foundation back to its desired elevation. Concrete piles are also a popular choice for repairing sunken foundations, and they can be installed in a similar fashion as steel piers.

In addition to re-leveling your foundation, some companies can also install a system called EverBrace that essentially creates a brand new wall inside of your existing foundation without the need for excavation and full reconstruction. The final step in a typical foundation repair is clean-up and restoration of the surrounding area. This may include re-landscaping and filling in any areas where soil was removed during the repair process.

Keeping Your Home Safe

The foundation of your home is more than just a structure; it’s an important investment and the very core of your sanctuary. But, as with any significant piece of architecture, the foundation can become vulnerable to external forces that could potentially knock it off-kilter. By understanding the critical signs of foundation damage, exploring effective repair methods, and implementing preventive strategies, homeowners can ensure that their homes are safe havens for their families.

Cracks in the walls, ceilings and concrete are common indicators of a failing foundation. These are a result of shrinking and expanding soils that put pressure on the foundation. The most important thing is to address these issues early, before they worsen and compromise the integrity of your home.

Water pooling around the foundation is another common sign of foundation problems. This is often caused by poor drainage, which can lead to the soil surrounding the foundation becoming saturated and weakening over time. Improving the drainage of your property through gutters, downspouts and grading can help to prevent excess moisture around your foundation.

Doorways that feel like they are auditioning for a horror movie, or windows that refuse to open are also telltale signs of a shifting foundation. This can cause the doors and windows to become misaligned, allowing water to seep through, creating costly repairs down the road.

If you notice a shifting of your foundation, it’s time to call in the experts. There are a number of different solutions to restoring your foundation, including slab jacking, which involves injecting a mixture beneath the foundation to lift it back to its original position. Piering and underpinning is a more intensive solution that involves installing metal piers or pilings underneath the foundation to support it. This allows the concrete to be lifted up into more stable soil layers, which is a little like giving your foundation a protein shake.

The key is to keep up with regular visual inspections of your property, especially during seasonal changes and weather events. Small horizontal and vertical cracks can be normal, but if they start to grow or change in shape, it’s definitely time to consult with a professional for repair or replacement.

Restoring Your Home’s Value

Some homeowners try to avoid the cost of foundation repair by selling their homes “as-is.” But ignoring a problem like this can actually increase your costs. Besides the fact that your home will be worth less with major damage to the foundation, you’ll likely incur other problems that are referred from the foundation like sagging floors, roof issues and cracks in the walls or ceilings. These types of “referred” symptoms can often be more expensive to repair than the original problem itself, so addressing the problem early on is more cost-effective in the long run.

It’s also important to remember that buyers are evaluating your home for its overall value. Many factors affect a home’s value, from curb appeal to the quality of its construction and upkeep. Foundation repairs are a great way to improve the appearance of your home and can help it look more appealing to potential buyers.

When it comes to repairing the foundation of your home, there are several different methods available that can restore the structural integrity and beauty of your home. Steel piers are a very common method that uses galvanized steel posts driven deep into the soil beneath your home to stabilize it. This is considered the best long-term solution for a foundation, and it can be used in almost any soil condition. Concrete piles are another alternative that consists of blocks or cylinders of pre-cured concrete, which are driven into the ground to support your home. Poured concrete piers are also a popular choice for this type of repair, which involves digging a large hole beneath your foundation, filling it with wet concrete and allowing it to cure before attaching it to your house.

Having a strong, stable foundation can allow you to do more with your home, whether you’re planning on making an addition or want to renovate the basement into a game room or additional living space. Buyers are more willing to pay a premium for a home that has been updated and well-maintained, and having an up-to-date foundation can make your renovations go smoothly.