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Structural Engineering questions, answered by experts

Structural engineers draw structural plans, which include detailed drawings of the structural components of a home only. Complete house plans will require additional work from an architect or draftsperson, whose drawings will take the structural drawings into account. They’ll also include more details about the finishing materials and layout of a home, including everything from roofing and flooring materials to the position of furniture, light fixtures, switches, and plumbing fixtures.

A split-level home is one that has several staggered floors connected by short staircases, while a split floor plan separates the primary bedroom from the rest of the bedrooms. Split floor plans are most often found in single-story homes, while split-level homes are always at least two stories.

It is not recommended to cut or drill into LVL (laminated veneer lumber) beams. As major structural components of a home, their composite structure can be compromised by alterations, which can weaken them and lead to cracking over time. If you must make modifications to an LVL beam, it is crucial to consult a structural engineer or general contractor first. A professional can advise on whether it's safe and provide specifics on the appropriate bit size, depth, and directionality for any necessary drilling.

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.

A structural engineer’s report is almost always worth it, as it can help you avoid buying or overpaying for a home with structural issues. The most important thing the report does for you is provide peace of mind that you won’t have to pay thousands of dollars for structural repairs right after closing on a property.

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