Does insurance cover drywall cracks?
Most standard building insurance policies will cover cracks in walls caused by subsidence, as long as your home hasn't had subsidence before. If your cracks in walls aren't caused by subsidence, it's unlikely that your buildings insurance will pay for any repairs. Does home insurance cover drywall cracks? Answer provided by. Typically, cracked walls are the result of settling in the foundation, and in most states that is not covered by home insurance.