Only if the cause is covered by the policy. Cracks caused by plaster shrinkage, poor workmanship or gradual deterioration are different from cracking caused by an insured event such as subsidence.

What can cause wall cracks?

• Plaster drying and shrinkage.
• Thermal movement.
• Lintel failure.
• Wall-tie corrosion.
• Settlement or subsidence.

When a crack is changing or returning

• If the crack is widening.
• If it returns after repair.
• If it passes through brickwork.
• If nearby doors or windows are becoming distorted.

Insurance depends on why the wall cracked

The insurer cannot decide whether a crack is covered from its appearance alone. The reason the wall moved is what determines whether insurance is relevant.