It is a structural defect not cosmetic, no the insurance co does not
pay for maintenance, they never did.

Get bids on all repairs yourself and the soil if you are worried about a
sink hole or bad soil. You would be better off repairing it and deduct
it from the price plus a bit extra. Then you will know the repair was
done right not just a hack job. It could be as logical as untreated
wood rotted or as complex as a sink hole . Get some pros out nobody
here can come by today.