About Deteriorating Concrete Foundations in Connecticut
Background on Crumbing Concrete Foundation in Connecticut
The
Connecticut Department of Consumer Protection is here to provide
homeowners with information about resources that can help determine if
their concrete foundation is damaged, and help find potential options
for repair. In July of 2015,
Governor Malloy called on the Department of Consumer Protection and the
Office of the Attorney General to conduct an investigation
into deteriorating foundations. The Insurance Department, Department of
Banking, Department of Administrative Services, and the Department of
Housing along with state, municipal and federal officials have been
collaborating with DCP's investigative team since July to provide
resources to homeowners.
Cracks may take ten or more years after the foundation is poured to develop. Many of the homes with damage were built in the 1980’s and 1990’s.
Looking
for more information? We have two informational brochures out you
can feel free to distribute and use for your own reference.
- Concrete Foundations: Information and Quick Facts
- Crumbling Concrete Foundations: What you can do if you think your Home may be Affected
Press Releases
November, 2015: Update on Concrete Foundations Investigation
What you can do if you Believe your Home is Affected
You
may wish to talk with a professional engineer about testing the
concrete in your home for damage, and their recommended next steps for
repair.
You can verify that your professional engineer is licensed, and your home improvement contractor is registered at www.elicense.ct.gov.
During
conversations with experts about potential damage to your foundation,
make sure you reference cracks in your foundation walls and floor
individually. This will help the experts provide you with an adequate
recommendation for repair.
If you have other questions or need support, please contact the Department of Consumer Protection at dcp.concrete@ct.gov.
You
may also call the Insurance Department with insurance related questions
or complaints specific to your policy with the information below under
"Insurance Related Questions or Complaints."
How to File a Complaint with the Department of Consumer Protection
If
you have reason to believe your home's foundation is deteriorating due
to potentially faulty concrete, you may wish to file a complaint with
the Department of Consumer Protection by completing and returning this complaint form through mail or email.
When
you fill out your complaint form, it's important to have as much
information as possible about your home. You may also wish to include
pictures, or other evidence from your foundation to show the issues you
may have.
If you don't have answers to all questions on the form, fill out the form as completely as you can, and submit it. It's okay if you need to leave something blank.
We ask a lot of questions on this form because the more evidence and
information we have that can contribute to the on-going investigation,
the better.
What to do if you have Insurance Related Questions or Complaints
The above notice informs insurance companies that they cannot cancel or non-renew a homeowner's policy due to a crumbling foundation. If you believe this has happened to you, you should file a complaint with the Insurance Department.
The
Insurance Department is also advising homeowners to read their
policies, particularly the section titles "Duties After Loss." That
section explains the process that a policy holder needs to follow when
notifying his or her insurance company of any damage or a loss. The
homeowner's policy also provides information on the timeframe a
policyholder has to file a lawsuit against the company should he or she
choose to do so.
Residents are encouraged to email individual insurance related questions to cid.ca@ct.gov, or call the Insurance Department at 800-203-3447.
The Latest Update from our Investigation Team
June 7th, 2016: The Office of the Attorney General issued this Letter to Governor Malloy and Commissioner Harris
The
state has hired a civil engineer whose area of expertise is concrete.
Our expert and his team have started taking core samples from crumbling
foundations in Eastern Connecticut and are testing and analyzing them to
determine the cause of the deterioration and help determine how many
homeowners are impacted. We have determined through our investigation that pyrrhotite is a factor in crumbling foundations, and
our investigation continues to search for other conditions that
contribute to deteriorating foundations. We expect our investigation to
conclude in the fall of 2016.
As
part of our investigation, representatives from our agencies have
spoken with hundreds people, including homeowners, contractors,
engineers, and other industry experts, to gather information and to
further our understanding of the scope of the concrete problems.
The
Department of Consumer Protection has issued 29 subpoenas to insurance
companies with the goal of obtaining any information to support our
investigation. At this time, the inquiry of the insurance companies is
not directed at them as parties of interest, but rather is intended for
information-gathering purposes.
Home Purchases and Inspections
The Department of Consumer Protection issued an advisory to home inspectors in August of 2015 that reminds inspectors what they need to examine in a home inspection, and discusses signs of crumbling foundations. That advisory can be found here. A follow up advisory was sent in March of 2016.
If you are purchasing a home, make sure that the owner you are purchasing the home from has filled out this Residential Property Condition Disclosure Report completely.
Beware of Scams
Make
sure you're using a registered and reputable contractor. Anyone
contacted by a contractor offering to repair or replace faulty concrete
should be wary of possible scams. Read more here.