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Last update on June 26, 2026

Structural Engineering questions, answered by experts

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.

Precast concrete can be reinforced with rebar, wire mesh, or other materials to improve its strength and add stability. Precast concrete for large construction projects is often pre-stressed as well for greater structural strength. Reinforced concrete is durable and strong, making it an ideal choice for many construction projects.

Costs depend on unit complexity, labor, wall mounting needs, and additional accessories like floating shelves.

According to the Earthquake Country Alliance—a public and private alliance in California that works to improve earthquake and tsunami readiness—reports that unreinforced masonry, such as stone, bricks, and hollow clay tiles, is more susceptible to earthquake damage. The mortar between bricks isn’t as stable as other building materials and methods.

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.