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I just bought the house about a year ago. There were no cracks in the foundation at that time (or even a few weeks ago...for that matter). We just had a 5.8 earthquake last week. I'm assuming that's where the crack came from.
The crack is several inches long and maybe 1/16-1/8" wide. Is this something that I can repair or keep from spreading?
Be careful before submitting a claim. Talk to your agent and ask them to find out in non-specific terms if the damage you have would be covered. Once you submit a claim, even if the insurance company denies payment, you are on record as having made a claim and any discount you get could be gone. They could even cancel you or put you into the high risk pool.
You may want to talk to a structural engineer to see if the crack is even anything to worry about.
In order to get earthquake coverage in California you need to buy a rider to your policy. As the rider is expensive you would guess right that no where near 100% buy the rider. The number is 17%. I simply can't imagine an insurance company, in another state, covering any house for earthquake damage. Especially since it was a state requirement that companies, doing business in California, offer their policy holders this coverage.
Good advice about being wary of your insurance co/agent. They don't make money paying claims...and...they love to drop folks or put in high risk pools.
Is the foundation painted or otherwise finished by a film?
There are all kinds of fiber reinforced epoxies and surface bonding cements that should be able to stabilize the entire exposed foundation and keep any crack from spreading.
Hell, if you can dry stack block and parge it with this stuff, and STILL meet code it should be more than enough to hold your house together.
In fact I was using a Kevlar pulp reinforced epoxy just today to bond and patch some stucco.
Here you go. The crack extends all the way up to the crawlspace vent. I'm assuming it goes down below the surface. I haven't dug it out to confirm that though.
This is a cell phone picture, so the brick/mortar/whatever it is on the right looks distorted.
Were it me, I would drill holes a few inches apart along the length of the crack and inject epoxy.
Put some masking tape over it to keep the epoxy from running out all over the brick.
If it's 1/8" wide you might want to add some fiber reinforcement to the epoxy to give it 'body'
The tensile strength of most epoxies is at least 10X that of the bricks or the mortar, so there's no issue with it underperforming.
In the construction fastening industry, Powers and Hilti would have products that will work.
Abatron specializes in repair and restoration epoxies.
And marine epoxies from companies like West Systems (Gougeon Brothers) and System Three would be well suited with the correct fillers such as thinset mortar or unsanded grout to obtain a good color match.
I'll look into that. That's something that I know absolutely nothing about.
I reviewed the homeowners policy (USAA). Given the deductible (something like $19k), it's obvious that would only come into play if there was a complete structural failure.
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