Wondering if your homeowners insurance covers structural damage like foundation problems? This article breaks down when insurance might help with costly repairs, what kinds of damage are usually excluded, and the tricky process of filing a claim. Get real-world examples, must-know tips, and straightforward advice to help you avoid expensive surprises. If you're staring at cracks in your walls or floors, this guide tells you what to do next. Protect your house—and your wallet—by understanding your policy's fine print.