If the basement floor has cracks in it, or on the outside and inside walls of the home, what can it lead to? Can the house collapse?
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House is unlikely to collapse (unless the cracking is REALLY extensive), but the real damage will come from water getting into the home. Short of a fire, water is the worst thing to happen to the physical structure of your house.
Everything from weakening the supporting rebar in your foundation, flooding the basement in “wet” periods (think snow melt), mould . . . there are just SO many bad things that can happen.
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