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Structural Engineering questions, answered by experts
Yes, walls on the top floor can be load-bearing if stacked on the floor’s foundation.
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.
Most structural engineers offer free quotes, regardless of the size of the job. For simple inspections when buying or selling a home, engineers typically charge a flat fee that may be based solely on your home’s foundation type and square footage. For larger projects, like new construction and major home renovations, an engineer will either perform an analysis of your project and site and provide you with a formal estimate, or they will do a more in-depth assessment and in-person site inspection before coming up with a per-hour or per-project cost estimate. In most cases, the estimate is free.
The easiest way to tell if a wall is load bearing is to check if it’s an exterior wall or if it runs perpendicular to the joists above and below it (or parallel to beams). Exterior walls are almost always load-bearing, and walls that run under beams or parallel to them are also usually load-bearing. There are exceptions to these rules, and walls that don’t fit into these categories can still be load-bearing. If you’re unsure, hire a structural engineer to look at your home to assess whether or not the wall is structural.
Yes. Foundation walls are always load-bearing.
The Platte, SD homeowners’ guide to structural engineering services
From average costs to expert advice, get all the answers you need to get your job done.
The cost of a structural engineer is easily justifiable given the value they bring to the table. Use this guide to see what hiring your professional will total.
Beam installation costs are an important consideration if you’re building a home or doing renovations. Learn about average costs and factors in this guide.
Spotting deep foundation cracks or sagging floors? Learn about structural engineering costs, serious warning signs, and how to hire the right local pro.
It can be hard to choose the right pro for any job, but it matters. Learn how to hire a structural engineer who'll get the job done right from start to finish.
