What is the difference between structural and cosmetic cracks?

Author: Lenore Skiles  |  Last update: Tuesday, December 9, 2025

Cosmetic cracks are usually superficial and don't affect the integrity of your home, while structural fractures can indicate serious underlying issues. Identifying structural cracks early can save you from extensive and costly repairs down the line.

How do you tell if a crack is cosmetic or structural?

Some signs that may indicate that a crack is structural in nature may be that the crack is ⅛” or larger, a crack is horizontal in direction, the crack has shifted forward, one side of a crack projects out further than the other side of the crack, a wall is bowing, and there may be stair step cracks in the mortar ...

What is the difference between cosmetic and structural damage?

Structural damage affects vital components and safety features, while cosmetic damage only impacts the vehicle's appearance. Cosmetic repairs are typically faster and cheaper, focusing on surface-level issues like paint scratches and minor dents.

What is considered a structural crack?

Structural cracks refer to fissures or fractures that occur in the components of a building or structure, such as walls, floors, ceilings, or foundations. These cracks can be indicative of underlying issues related to the stability, integrity, or safety of the structure.

Are drywall cracks cosmetic or structural?

Most drywall cracks are superficial or cosmetic. In these cases, you can repair them yourself with a little elbow grease and spackling compound or caulk, but some types of cracks in walls require professional attention. A pro can inspect your walls and let you know if any cracks are critical.

Structural VS Non-structural Cracks

What do structural cracks look like?

Diagonal cracks

These are also known as stair-step cracks, like a set of stairs going along your wall. They could be a sign of structural movement. Take them seriously. Some diagonal cracks around door frames and windows can appear because the lintel above is missing, weak or badly installed.

How do you identify structural and non-structural cracks?

Characteristics of structural cracks
  1. Over 1/10 inch wide – Structural cracks are usually wider than 1/10 inch (often wider at one end than the other) and grow larger over time.
  2. Stair step cracks in block or brick walls.
  3. Horizonal foundation cracks in walls, with or without bowing – These are almost always structural.

Are structural cracks covered by insurance?

Generally, foundation cracks or settling aren't covered by your homeowners policy. Your home's foundation is protected under your policy's dwelling coverage, but only for certain perils/events.

Can you fix structural cracks?

Minor cracking that is purely cosmetic can be repaired or sealed with filler and paint. However, if your wall cracks are caused by an underlying structural defect then repairs can be much more costly, time-consuming and inconvenient. The longer you wait, the more expensive the problem becomes.

What kind of wall cracks are bad?

Diagonal cracks run at an angle on the wall from corner to corner, slanted at a 45-degree angle compared to the vertical wall plane. These cracks, regardless of size, need immediate attention from a professional.

Is structural damage expensive to fix?

Location: Geographic location can significantly influence labor and material costs. Foundation repair costs in areas with high seismic activity, such as California, or in coastal regions prone to hurricanes, like Florida and Texas, may be higher due to increased demand for specialized expertise and materials.

What does cosmetic damage include?

Cosmetic damage means physical damage such as marring, scratching, denting, pitting, discoloration, or other condition that affects the appearance of property, but that does not impair the property's ability to keep weather-related or other elements from entering to the same extent that it did before the marring, ...

What is the difference between structural and cosmetic renovations?

In a nutshell, it's a structural renovation if anything is changed with the load-bearing wall, roof, or foundations of a building. When your renovations are cosmetic they are generally a refresh of your home's visual elements like updating the bathroom, redoing the kitchen, painting, flooring etc.

What structural cracks should I be concerned about?

Thin cracks are usually not cause for concern, but you should consult a professional if they become wider than five millimetres. Diagonal cracks that look like staircase steps can be a sign of structural damage, and you should consult a structural engineer.

What cracks indicate foundation problems?

Vertical cracks run up and down the foundation wall. They're often caused by normal settling and are generally less concerning than horizontal or diagonal cracks. However, if a vertical crack is wider at the top or bottom, it may indicate a more serious issue.

What is an acceptable crack in a concrete slab?

The following list of conditions may be considered to help determine the severity of various concrete cracks: Cracks smaller than 0.3 mm in width are generally not serious and of not structural impact. However, they should be monitored for any growth.

What do structural damage cracks look like?

Structural foundation cracks are generally larger than 3mm and come in different shapes and sizes. One end of the crack may be wider than the other. The concrete on either side of the crack may be flush, or it could be uneven. A typical structural crack pattern is a stair-step crack in brick or cinder block walls.

How much does it cost to fix a crack in the foundation of a house?

Foundation Cracks

In fact, as foundation repair costs run, cracks can be one of the least expensive things to repair as long as they don't impact the structure. An average foundation repair cost you can expect to pay is between $250-800 to repair a crack in the foundation of your house.

Can a house with structural damage be repaired?

How to fix structural damage. Find the right licensed contractor to complete structural repairs on your home. Roofing contractors can repair your roof and replace damaged or missing shingles. Construction contractors can repair cracked walls, fix slanted floors and mend issues in your home foundation.

How do you identify structural cracks?

Here are some signs that can help you identify when cracks become harmful:
  1. - Cracks that are wider than 1/4 inch.
  2. - Any hairline cracks that may appear on the inside and also on the outside part of the building.
  3. - Cracks that are getting wider with time.

Do homeowners cover structural damage?

The majority of homeowners insurance policies do not cover any type of structural damage unless it has been covered by a specific event. For instance, if you added a rider to your policy to protect you against earthquake damage, your policy might cover structural damage due to the earth moving.

What is considered major structural damage to a house?

Cracks in Walls or Ceilings

A tiny hairline crack might just be your home settling, but larger, widening cracks—especially diagonal ones—are clear signs of structural damage. These cracks often indicate foundation stress or shifting and require immediate attention to avoid further issues.

What is the difference between cosmetic and structural cracks?

Cosmetic cracks are usually superficial and don't affect the integrity of your home, while structural fractures can indicate serious underlying issues. Identifying structural cracks early can save you from extensive and costly repairs down the line.

What do normal settlement cracks look like?

Appearance: Thin, almost thread-like lines. Common Locations: Walls and ceilings. Meaning: Hairline cracks are typically a result of the natural settling of a new home. Cracks in walls and ceilings under ¼ inch are generally not a sign of serious structural issues.

Can structural cracks be repaired?

One of the potentially effective repair procedures is to inject epoxy under pressure into the cracks. The injection procedure will vary, subject to the application and location of the crack(s), with horizontal, vertical, and overhead cracks requiring somewhat different approaches.

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