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Structural Engineering questions, answered by experts

Water can seep into porous materials like wood beams, floor joists, and roof rafters within minutes, but they’ll need to see prolonged exposure before you have structural damage. Mold can start growing within 24 hours, and mold can eat away at the structural components over time. Wood rot is more of a concern, though. Wet and dry rot are fungal infections that set in in moist conditions and rapidly deteriorate wood, causing major structural damage within just a few months in some cases.

If your home's foundation was damaged due to shifting soil, the same problem will reoccur unless you stabilize the structure by adding posts in the bedrock.

Indications include cracks in walls, uneven floors, and sticking doors or windows that suggest foundation movements.

It depends on the bank and the extent of the issue. Some banks will lend against homes with minor foundation damage, but most won’t if the issue is structural since the home acts as collateral for the mortgage. Banks that offer renovation loans might still finance a home with structural problems. More minor issues like settling cracks and intermittent problems with humidity are unlikely to stop a bank from financing.

Structural engineers are necessary for projects involving alterations to load-bearing structures, foundation work, and compliance with safety standards. This includes home expansions, retaining walls, and significant repairs that impact a property's integrity.

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