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Signs of structural damage include foundation cracks, roof leaks, bouncy floors, crumbling concrete, and cracked or leaning chimneys. Structural damage can make itself apparent in various ways, and sometimes, there may not be obvious signs. Inspect your foundation and roof annually to stay ahead of potentially serious structural problems. 

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.

Regular inspections, proper drainage management, and ensuring soil stability help prevent future settlement issues.

It’s usually not an immediate safety risk to live in a house with foundation problems, but you don’t want to let those problems persist. Most foundation issues don’t lead to a house’s sudden collapse, but they can lead to health issues like mold growth and pest intrusion, as well as problems like uneven floors or rotten beams and joists, which can pose injury risks and be costly to fix.