Foundation Cracks: Knowing When to Worry with Florida Homes

Quick Self-Check: What Type of Crack Do You Have?

Use this simple guide to understand the different types of foundation cracks and when to take action:

• Hairline Cracks – These are thin, surface-level cracks in concrete. They’re usually not a cause for concern, but keep an eye on them to see if they widen over time.
• Vertical Cracks – Running up and down walls or slabs, these cracks are often caused by natural settling. If they grow wider than 1/8 inch, it’s time for a professional inspection.
• Horizontal Cracks – Found in basement walls or foundation slabs, these can be a sign of pressure from shifting soil. A professional evaluation is needed to determine if structural damage is occurring.
• Stair-Step Cracks – These cracks appear in brickwork or masonry in a zigzag pattern. They can indicate foundation movement and should be inspected by a specialist.
• Wide or Expanding Cracks – If a crack is growing larger over time, it’s a sign of a more serious foundation issue. Get an immediate professional evaluation to prevent further damage.

As you can see, it never hurts to have cracks in your home looked at by a professional. If you’re ever unsure about the cracks in your home, no worries; you can schedule a free inspection for an expert opinion.

Why Florida Homes Are at Higher Risk for Foundation Cracks

Florida’s climate and soil conditions create an environment where foundation cracks are more common. Here’s why:

Foundation Cracks: When to Worry

Some cracks are purely cosmetic, while others can indicate structural failure. Here’s how you can tell if a crack may end up causing more serious issues:

If you notice any of these, don’t wait—foundation problems get worse (and more expensive) over time.

What Can You Do? Steps to Repair Foundation Cracks

Step 1: Monitor Cracks

Cracks usually don’t stay stagnant. As conditions change both outside and inside your home, they may grow. If a crack doesn’t look too serious yet, be sure to:

• Keep track of any cracks and note if they expand over time.
• Use a pencil or tape measure to track changes every few months.

Step 2: Address Moisture Problems

Rain, humidity, and flooding are all potential issues a homeowner in Florida can run into. Since water is one of the biggest causes of foundation cracks, it’s important to address it by:

• Ensuring proper drainage around your home to prevent soil erosion.
• Using dehumidifiers or vapor barriers in crawl spaces to control moisture.

Step 3: Get a Professional Inspection

Foundation cracks require a trained eye to tell if they’re truly a problem. Here’s why:

• A foundation expert can determine if your cracks are cosmetic or structural.
• Early detection means less invasive and more affordable repairs.

Step 4: Explore Repair Options

If you want to repair foundation cracks, here are your options:

• Crack Sealing: Prevents water intrusion and stabilizes minor cracks.
• Pier Systems: Foundation piers strengthen foundations that are settling or sinking.
• Waterproofing Solutions: Protects against moisture-related damage in a crawl space.

Not sure which solution is right for your home? Get a Free, No-Obligation Inspection.

Foundation Crack FAQs

Are foundation wall cracks covered by homeowner’s insurance?

Generally, homeowner’s insurance policies do not cover damage caused by “settling, cracking, or shrinking” of the foundation. However, if the foundation cracks were caused by a covered issue like a natural disaster, you might be eligible for coverage. It’s crucial to read your insurance policy carefully and consult with your insurance agent for specifics.

How long does it typically take to repair foundation wall cracks? 

The duration of the repair process can vary depending on the extent of the damage, the methods used for repair, and weather conditions. Generally, foundation repair can be completed in a day or two, but more extensive damage might require a week or more. It’s best to consult with our specialists for an accurate timeline for your specific case. 

Can Florida’s weather make foundation cracks worse?

Yes, Florida’s high humidity, frequent storms, and soil movement can accelerate foundation damage.

Protect Your Home – Get Expert Help Today

Related Resources

7 Major Causes of Foundation Cracks in Your Home

Foundation cracks can be a sign of structural damage or just your house settling. Understanding what is behind them is key to fixing the issue.

Are Foundation Cracks Normal?: Types, Causes, & Repairs

Foundation cracks are dangerous, but why did they appear in the first place? We'll answer that and more in this expert guide.

Drywall Cracks: Should I Be Concerned?

Every building experiences some kind of settling, but not all settling is normal. This makes it difficult to know when drywall cracks are simply a cosmetic issue or a serious foundation problem. On this page, we'll clear it up.

Ted Dryce

Content Writer

Ted is an SEO Content Writer who has been with Groundworks since 2021. He’s covered home repair topics ranging from crawl space encapsulation to regional soil conditions. When he’s not working, Ted is performing improv comedy and working on his own creative projects.