Why don't insurers cover foundational repairs when it seems that the foundation is the most critical part of a home?

Foundational Repair Coverage Because foundation problems are caused mostly by land movement (settling). Every concrete foundation, slab, driveway, sidewalk patio or structure will naturally develop cracks over time, (normal wear and tear) and all insurance companies have exclusions that specifically state no coverage under general homeowners for land movement. Some flood policies would cover it though if it was water that caused the earth to move.

Also earthquake insurance will cover if it was a quake or aftershock that cause a home to slip or crack.

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