How To Pay For Foundation Repair

Learning you have signs and symptoms of a home needing foundation repair is stressful, especially when the cost can be thousands of dollars. Figuring out how to pay for it can be stressful to where your peace of mind is compromised.

You might feel alone and in the dark figuring out how to pay for your foundation repair, like Will when he’s stuck in the upside-down in the show Stranger Things.

Knowing a variety of financial options is important, especially when there are many available. Having options available will help you figure out the next best course of action in paying for your foundation repair.

Dalinghaus Construction has inspected over 10,000 homes in Southern California, Arizona, and Nevada, fixing more than 2,000 homes for homeowners with different financial circumstances. We’ve learned about the multiple options available to homeowners like you and want to let you know the options available for your financial stability. We want you to know these options so you’re prepared, bringing you closer to your peace of mind.

Thankfully, there are multiple ways to pay for your foundation repair

Here’s how you can pay for foundation repair with any company

  • Cash
  • Take out from savings
  • Pay the direct amount
  • Credit card
    • Be wary of the interest added to your credit card payment.


  • Go to us for financing options.
    • Dalinghaus Construction offers 0% financing options for you to look into.
  • Go through your personal bank
  • See about a remodel loan for repairs
  • Home buy-in equity
    • This is where you have a reassessment of the equity in your home, pulling out the amount that has increased. You pull out 70-80% of its value.
    • You might not be approved if your home has foundation issues.
    • For this option, be mindful of interest rates. They’re currently at around 6-7% now compared to around 2-3% a few years ago.

Don’t expect homeowner’s insurance to pay for your foundation repair

Home insurance companies sometimes pay for foundation repair, but it’s rarer than finding a french fry with your onion rings.

Dalinghaus Construction has experienced homeowner’s insurance paying for foundation repair every one in 400 projects. That is about a 0.25% chance they would be willing to pay.

For homeowners insurance to pay for your foundation repair, you need to prove what caused the foundation settlement. Typically this has to do with a high-pressurized water leak or something of that nature.

Something has to be a direct cause of the foundation issues, or they’ll say no.

Asking your homeowner’s insurance provider if they’ll cover won’t hurt you. The worst they can say is no. Just don’t expect it to work in your favor.

Also read: How Home Advisor Works?

A Homeowner’s Association (HOA) might cover your foundation repair

It depends on your HOA. If it’s a single-family home that is part of an HOA, they probably won’t cover it. However, if there are a group of homes affected by foundation settlement or heaving, they will cover the foundation repair cost.

If you’re in a townhome, it is likely your HOA will cover your foundation repair. We can’t guarantee it, but it’s likely.

Typically the way it works is you are responsible for the interior of your home. HOAs are in charge of the exterior, which includes foundation repair for settlement.

If you’re part of an HOA, ask your HOA board if repairs can be covered.

Read our article Will my HOA Cover Foundation Repair? For an in-depth understanding of when an HOA will cover your foundation repair

Make a savings plan for foundation repair (or any future emergency)

You can make separate bank accounts for different things to prepare for emergencies. Take a small percentage of your income and paycheck into these accounts. The percentages should be small enough so they don’t affect your day-to-day life.

In two to three years of doing this, you should have enough to do any renovations you want or repairs you need.

Preparing for emergencies is a good thing to do for financial preparation and alleviating stressors in the future.

Now we understand everyone has different circumstances in their life, whether through income, family, living, etc. A reference to check out is the book Profit First by Shawn Van Dyke.

Knowing if foundation repair is an emergency is difficult

Every situation is different, so experiencing foundation settlement isn’t something we expect most homeowners to be familiar with.

Most homes we work on experience foundation settlement over an extended period. There are those occasions where homes are damaged enough that they’re red-tagged and condemned by the city you reside in. This has been in cities such as San Clemente due to soil conditions.

If you’re unsure when you need foundation repair, schedule a free foundation evaluation with Dalinghaus Construction, or any other contractor you’ve looked into. Receiving multiple bids is in your own best interest.

How to qualify for 0% financing for your foundation repair

You do need a pretty good credit score of around 700. Even if you’re concerned about the credit score option, it doesn’t hurt to check it out and apply.

From an investment standpoint, it’s like free money in the sense you’re able to allocate the money upfront and space it out over a year (or other specified periods).

Regardless of which foundation repair company you go with, it’s gonna cost money

We don’t want you to be shocked by the rates foundation repair companies offer. For example, Dalinghaus Construction averages around $26,000 for foundation repair projects. The prices will vary depending on your circumstances. If there are more damages, you can expect to pay more with any company you go with.

We won’t leave you in the dust trying to figure out a payment plan.

You might be looking to put additions or remodels in your home. At the end of the day, Foundation repair needs to be taken care of before adding anything to your home.

Now that you know what option you can do for foundation repair, look into the many options you can choose to see what will work best for you

We’ve made sure you know the many options you can look into to pay for your foundation repair. Figuring out what you can do to pay for foundation repair is honestly scary, but you don’t need to be left to your own devices. Dalinghaus Construction works to make sure your process is as smooth as possible for your peace of mind.

Be sure you also learn about why you should get multiple bids from different companies in our article Should You Get Multiple Foundation Repair Bids? (How You Benefit).

Also, learn why home insurance covering foundation repair is rare through our article Will Home Insurance Cover Your Foundation Repair?

For financing options, be sure you either go through your bank about the best course of action. You can also call Dalinghaus Construction at (877) 360-9227 for any other questions, or check out our 0% financing options by clicking the button below to see if you qualify.


Brian Dalinghaus

Brian is one of the Co-Founders of Dalinghaus Construction. He has been in the foundation repair industry since 2005. During his career, he has been associated with helping over 4,000 homes and structures throughout California and Arizona.

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