No unless the foundation crack was caused by something like an earthquake. Normal wear and tear is not covered.

A good salutation for a church foundation letter would be 'blessings'. You could also use your normal salutation such as 'sincerely yours'.

Homeowners insurance typically does not cover foundation repair due to normal wear and tear or aging. Coverage may be available for sudden and accidental damage, such as from a burst pipe or a fallen tree. It's important to review your policy and consult with your insurance provider to understand the specific coverage and exclusions related to foundation issues.

Most people do not stutter/stammer all the time, so it is not normal. Find information and help from The Stuttering Foundation.

There are millions of people worldwide who stutter/stammer but it is not the normal way of speaking. The Stuttering Foundation at stutteringhelp.org has information and help.