Does homeowners insurance typically cover foundation crack repairs? I’ve noticed some cracks forming in my basement and wonder if my policy will help cover the cost.

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In most cases, homeowners insurance doesn’t cover foundation crack repairs unless the cracks are caused by a covered event, like a burst pipe, fire, or natural disaster (and even then, you'd need specific coverage, like for earthquakes or floods). Unfortunately, regular wear and tear, settling, or drainage issues aren’t typically covered, so you might need to pay your foundation crack repair specialists out-of-pocket.

I’d recommend calling your insurance provider to clarify what’s covered under your policy. If it’s not covered, you’ll want to hire foundation repair specialists to fix it properly. Also, adding exterior foundation membranes to prevent costly water damage to your property is something to consider. They’re great for preventing future moisture damage, and many come with a lifetime transferable warranty, which is a solid investment—mainly if you ever sell your home.  It’s one of those things that’s worth doing right the first time.