As a general rule, you should not expect your insurance to cover foundation repair. It’s always a good idea to talk to your insurance agent specifically about foundation repair. Ask them questions like whether they cover the repair of small foundation cracks, which foundation repair methods they cover and to what extent, or what has to cause the foundation damage in order for insurance to cover it. Usually, however, your insurance will not cover any foundation repair that is needed due to shifting soils causing differential settlement.