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Structural Engineering questions, answered by experts

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.

No, a structural engineer is not the same as a builder. A structural engineer is an expert in all things related to the structural integrity of a building. The structural engineer is responsible for calculating the correct materials in terms of load-bearing capacity and overall structural safety. Structural engineers do not perform the actual building of the house or other structures. Rather, the builder executes the plans and designs specified by the structural engineer.

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.

Yes, unresolved damage can decrease property integrity and market value.

It's safe to assume that all exterior walls are load-bearing, or at least have load-bearing characteristics. Some older homes feature porches or bump-outs that don't rest on the home's foundation. However, they still must carry the weight of the roof section they support. Walls containing floor-to-ceiling glass or other non-structural elements must use post and beam configurations to meet load-bearing criteria.

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