NASHVILLE, Tenn. -- There is no question that too much water in the form of flooding or leaking pipes can ruin a home's foundation.

Video: Homeowner Says Drought Causing Cracked House

But many people aren't aware that recent drought conditions can be just as damaging to a home.

"We're a little surprised. We didn't know a drought was the reason for something like this could occur," said Bellevue homeowner Steve Durese.

He noticed the cracks in his house's foundation a few days ago.

The damage is so severe that a keystone dropped off and fell behind shrubbery. Foundation experts are telling him that his home is falling apart because no rain is falling down.

"If the drought would continue, I’m not sure it will not happen in another corner of the house or to other people's homes,” said Durese.

Some contractors are getting as many as seven calls a day from homeowners who are living with this same problem.

Kenny Williams of United Structural Systems, a foundation repair company, said he has been busy with these types of problems.

Simply put, extended periods of too much water or not enough can cause a home's foundation to shift.

"Obviously this is your largest investment. … To come out and see their house cracked is pretty devastating to most homeowners," said Williams.

The Dureses have been looking over their homeowner's policy. Nowhere does their policy mention coverage for drought-related foundation problems.

The couple's spirits seemed to disintegrate even more as their worst fears were realized when an insurance adjuster spent all of five minutes looking at the cracks and walked away.

Experts said that costs for repairs can range from upward of $3,000 to $7,000 depending on the extent of the damage.