Fluctuating temperatures and precipitation can allow for water to penetrate foundation imperfections. Water follows the path of least resistance which can push groundwater through a hole or crack in the foundation. It is important to check the exterior walls of a home or business for any moisture and a slow leak can turn into big damages. Discovering a problem with the foundation of a building can be an unsettling situation, but Team Newman is here with some helpful information so you can be educated about what to do with if you suspect water is coming through a foundation crack.
Vertical foundation cracks are the most common access point for water to enter a basement or crawlspace from the outside. These cracks occur as a home settles. If the ground around the foundation becomes saturated from rain or snow melt, it can penetrate the foundation through a vertical crack.
Water damage from a foundation crack can cause a large amount of damage in a short period of time, or it can be a slow leak which develops damage over a longer period of time. Regardless, this damage is often not covered by a home insurance policy and can be an expensive fix. Thankfully, vertical foundation cracks can often be filled with a waterproofing injection. When a crack is discovered, it is best to seal it right away. If a crack is left unattended, it can grow and lead to a more costly repair.
There are a few signs which can alert a property owner to water damage from a foundation issue. Water or added humidity in a basement or crawl space is a common sign that there is a foundation crack allowing for water penetration. Pungent or musty odors are also an indication that water is entering the property through a slow leak or foundation crack. Cracks in plaster walls and doors that no longer open easily are a sign that the foundation is settling in an uneven matter. These signs are a good reason to have your home and foundation inspected.
Water damage from foundation cracks may not be covered by insurance. Many homeowners are not protected from foundation cracks and the ensuing water damage. Because the water is coming from outside the home, many insurance carriers will deny coverage. It is always best to have an understanding of your liabilities or gap in insurance coverage. Often, a flood insurance policy can protect homeowners from water damage due to an outside source. However, it is important to cover the topic with your specific insurance company.
Homeowners should make sure standing water is kept away from the foundation walls. Gutter and drain systems need to divert water away from the home and not allow it to pool next to the foundation. Landscaping is also important to ensure water is draining away from a property. These factors can often prevent the ground next to the foundation wall from becoming saturated, which is a major factor in water penetrating a foundation.
