When it comes to home inspections, the structural integrity of a property is undoubtedly one of the most vital factors for determining its safety and overall value. If the structure is weak or unstable, then the rest of the home’s features become obsolete. With that being said, what type of structural issues do home inspectors report when conducting a home inspection?
Home inspectors provide a visual inspection of the home’s structure, looking for structural issues. Home inspectors document structural problems and recommend an examination by a licensed contractor or structural engineer.
Before we begin, It’s essential to understand the difference between a home inspection and a structural inspection. Home inspectors must compile a detailed report of the home while conducting a complete and thorough check according to the guidelines set out by their state licensing board, ASHI, and NACHI Standards of Practice.
Home inspectors that follow the ASHI or NACHI guidelines “cannot report on the adequacy of any structural system or component.” They can only observe and inspect the structural elements without providing a detailed analysis.
However, if they believe that there are significant structural defects, they will suggest that you hire a licensed contractor or a structural engineer to conduct a thorough assessment. Nevertheless, the devil is in the details. The structure will reveal clues to what is happening, and this is what the home inspector does.
It’s important to note that while some home inspectors are also licensed contractors or structural engineers, most are not. A home inspection is subjective and observes the building’s structure based on the inspector’s knowledge and experience.
A full structural inspection requires load-bearing calculations which a structural engineer can only perform.
This article will highlight nine common structural home inspection issues that you might find on a home inspector report. Let’s jump into it.
Why Home Inspections Are ImportantWhy Home Inspections Are ImportantNegative Drainage Issues
Typically, when home inspectors arrive at the property, they will survey the land to determine the topography. This gives inspectors a clue as to what they might find when they look inside the property itself and whether or not the home could be susceptible to water damage at a foundational level.
The home inspector will note whether the property is situated on a negative or positive gradient slope. If your home has negative gradient slopes running towards the foundation, then this will direct stormwater, or any other type of water for that matter, towards the foundation.
If the negative grading is considerable, then the subsequent water penetration could damage the foundation of your home over time, causing it to become unsafe. Over 95% of water penetration problems arise due to surface water not being appropriately managed, resulting from a negative gradient.
Furthermore, if your home is located on a steep gradient, this suggests it could be subject to structural issues caused by erosion of the land and its movements.
Ideally, you want stormwater runoff to flow away from the house. When this is not an option, you may need a french drainage system to collect stormwater runoff and direct it away from the foundation.
Trees Close to the Foundation
When the inspector checks the property’s exterior, they will take some time to inspect the surrounding vegetation. If the inspector observed overhanging branches or trees planted too close to the house will be noted as a defect in the inspection report.
According to the NACHI, all trees should be at least 10 feet away from the house so that they are not in contact with the property and their roots will not cause any structural damage or moisture issues. Plants growing next to the home could also raise the soil level too high against the foundation, which could cause problems.
If a tree is too close to the foundation, removing the tree will be recommended. However, depending on the size of the tree, removal needs to be handled with care.
Large trees close to a home’s foundation should be cut close to the ground, and the stumps ground instead of uprooted. Uprooting a mature tree close to a foundation can cause more harm than good.
One of the most apparent things that home inspectors look for when conducting a property survey is any evidence of cracks, particularly those present in the foundations.
Some of the cracks that you may find around your property could be indicators of severe structural failure, while others may be purely cosmetic and present no cause for concern. The home inspectors’ job is to determine the severity of these cracks and whether they indicate severe structural issues within the home.
Here are some of the most common types of cracks you will find around your home and what they indicate:
Horizontal cracks – The presence of horizontal cracks may or may not indicate a structural problem. When horizontal cracks can occur from concrete shrinkage as it cures. This is commonly found in concrete slabs. However, when horizontal cracks are present and shifting or separation occurs, that’s a sign that the foundation is settling, causing stress on the home.
Diagonal cracks – Diagonal cracks widening also indicate possible settlement, especially ones wider at the bottom than the top.
Brick/Mortar joint cracks – Zig Zag cracks that follow the mortar line in your property’s brick walls could indicate severe structural defects in your home. If a crack spreads that you can see through it or the bricks move, this will go down on the home report as a condition that needs further examination.
Window/door cracks – Windows and doors are typically the weakest part of the structure, and in the first place, a problem will manifest itself. This makes them one of the first places to show signs of structural issues in the home. Home inspectors will keep a close eye on windows and doors around the property for this reason.
It’s important to note that a home inspector (nor anyone else for that matter) can fully determine the rate of movement from one site visit. This typically takes multiple trips over some time.
Structural Framing Defects
Often after the home is framed, plumbers will alter the framing to install the plumbing.
Routinely, we find notched floor joists or just completely cut out to make room for the piping. HVAC contractors are bad about cutting things like engineered trusses to install heating systems and ductwork.
These alterations create defects that need to be corrected by the building contractor that often is not. This happens during both new construction homes and especially during existing home renovations. This also holds for contractors repairing wood damage.
When a floor joist is damaged by moisture or termites, the contractor will “sister” the joist, which involves running a new floor joist alongside a defective one.
This practice is acceptable, provided the new floor joist runs the recommended 3 feet past the problem area on each side to allow the new joist to be nailed in place. It is best practice to run the new joist the entire length if possible. It would be best if you correctly supported the repaired area to carry the additional weight of the new joist.
Notching is the practice of cutting away a portion of a wood member to allow for plumbing or electrical to be installed. Good planning minimizes the amount of notching that is needed. The maximum depth at the end of a joist (where it rests on a wall or beam) can’t exceed one-quarter of the joist depth.
The maximum notch depth in the outer third of a joist is 1/6 of the joist depth. You should limit the length of a notch to 1/6 of the joist depth, and no notching should be done in the middle third of a joist.
If part of a floor joist is removed, good building practice is to double the joist on either side and add a double joist between the two to carry the load of the altered joist. Joist hangers are needed on all connections.
Engineered Trusses and I-beams
Engineered wood products such as trusses and I-beams are calculated to carry the weight specifically for the structure. All alterations require the approval of a structural engineer. If you don’t have one, you need to call a structural engineer to perform an inspection to approve the work performed.
For more information on framing repairs and alterations, an article at FamilyHandyMan.com illustrates these principles.
When buying an old house, you’ll likely experience some unevenness in the floor structure. Most sloping floors occur by the natural bending of wooden joists that make up the floor structure. A small amount of bending in the flooring support is not a cause for significant concern and would not need to be reported by the home inspector.
However, uneven floors can sometimes result from improper construction or a settling foundation beneath the property. Settlement poses a risk that needs assessment depending on the severity of the sloping.
Sloping floors become more common the older your home is. A sloping floor in a 90-year-old house is often less concerned than any smaller visible slope in a newly constructed building.
When settlement occurs in older homes, contractors will commonly resist jacking the floor structure to an even level because doing so can cause more damage than good. They opt to stabilize the structure to resist further movement.
A home inspector will report any glaringly apparent defects that are present on the walls of the property. The most common being uneven and bowing walls caused by movements in the foundation. Most of the time, the uneven walls are accompanied by wall cracking, indicating potential structural issues in the home.
If these issues are left unchecked for a long time, they can cause significant damage to the property. In some cases, the wall will eventually cave under pressure, causing failure and subsequent collapse. Failure is often sudden and poses considerable safety risks to those inside the home.
The roof is one of the biggest deal-breakers when it comes to buying a new property. It’s what protects the house from the elements, keeps moisture at bay, and provides insulation during the winter months. If the roof is inadequate and needs replacing, more often than not, it’s not going to be cost-effective for the buyer to repair it.
A well-maintained roof should generally last upwards of 30 years, but of course, that is not always the case. A sagging roof is a significant indication of structural inadequacies in either the roof or the foundations. The causes for this can vary, but some of the most common are water-induced damage to the foundation, which subsequently causes movement/shifting, and the removal of load-bearing walls.
In general, home inspectors will take note of sagging rafters, sagging roof sheathing between rafters, roof spreading, as well as any signs of roof leaking. Signs of noticeable roof leaks will go down as a defect on the home inspection report as the water can easily cause significant damage to internal structures, which can cause a myriad of problems within the property.
For more information on how home inspectors inspect roofs, read our article How Home Inspectors Examine Roofs – Methods & Safety Concerns.
Your home’s foundation is the load-bearing portion of the structure. It typically includes footers that are consist of poured concrete built below ground, and its primary purpose is to support the property that is above and keep out any moisture, usually in the form of groundwater.
Foundation installations vary based on location, age of the house, etc. you should pour footers below the frost line to prevent groundwater from freezing and affecting the foundation. Frost lines in the northern states are much more profound than those in the southern states. This is why most homes in northern states have basements, while homes in southern states do not.
Depending on where you built the house, the foundation can be made of several materials, including stone, brick, concrete block, or poured concrete. Problems with the house’s foundation can cause significant structural failure as most of the home’s structural elements are lineal.
This means that any foundation problems present are likely to manifest themselves throughout the house. These manifestations are typically in the defects mentioned above, such as cracks, bowing walls, and warped ceilings.
One of the most common causes of structural defects of a property’s foundation is water damage. It is located below the ground and is highly susceptible to contamination with groundwater and subsequently weakening due to years of water exposure. Any significant damage to the foundations of a home will be reported as a defect by the home inspector.
Wood Destroying Insect Infestations
Pest infestations can cause considerable damage to your home’s structure if they are left unattended for a significant amount of time. According to Orkin.com, each year, termites and similar pests cause an estimated $30 billion in damage to crops and structures in the USA alone. A homeowner who discovers termite damage will spend an average of $3,000 to repair the damage.
Termites are the “silent destroyers” feeding on your home’s wood structure. These tiny pests may seem innocent at first sight, but given enough time, they will chew through your wood supports, framing, flooring, and just about anything else made from wood in and around your house.
Termites like to feed in damp, dark spaces like basements, crawl spaces, and attics. These insects are tough to see with the naked eye and can be pretty easy to miss, even for the home inspector. It’s essential to pay close attention to things like timber rot and other signs of infestation so that they can be dealt with before they do too much damage.
Moisture Related Damage
According to ASHI, approximately 90% of all structural building failures are caused by the presence of moisture. That’s a pretty shocking statistic, and it highlights just how important it is to keep water away from home as much as possible.
Any level of water penetration, wherever it is in the house, will almost always cause some form of damage if it cannot drain away sufficiently. The key structural aspects of a home include the foundation, floor, walls, and roof. Water can penetrate through any of these spaces with ease, which is why home inspectors take the extra time to inspect these areas methodically.
Home inspectors are typically looking out for any evidence of water intrusion, such as staining and dark areas on wood. In addition, mold and water stains usually indicate long-term moisture damage that could connote severe structural issues.
Causes for water penetration could be moisture intrusion from exterior walls, improper ventilation inside the property, leaking roofs, negative gradients of the landscape leading up to the property, and excess interior condensation.
Excess water is the number one enemy of any home, regardless of age, style, or location. The longer this moisture and dampness are left unattended, the more damage it causes and the more costly it becomes to repair.
The Cost to Repair Structural Issues
Now that you know all of the main structural home inspection issues you would find on a home inspector’s report, let’s look at how much it would cost to fix these issues before the situation ever arises. Many of these numbers are from data collected by HomeAdvisor and Angie’s List.
|Structural Repair||Average Cost|
|Foundational repair||$1,948 – $6,923|
|New roof||$4,900 to $14,100|
|Tree removal||$150 – $2,000|
|Moisture damage||$1,142 – $4,732|
|Uneven floor correction||$40 to $60 per square foot|
These costs are national averages. In some cases, the repair costs are much cheaper than those quoted above, while others may cost hundreds of thousands of dollars to repair, depending on the circumstances.
For more information on significant concerns that arise during a home inspection, check out our article 7 Major Home Inspection Issues Home Inspectors Report.
Why Would I Need a Home Inspection?
Assessing the structure is one of the most important aspects of a home inspection. Its purpose is to determine the strength and durability of the building structure. This assessment is necessary for ascertaining the building’s safety for living purposes or any renovation projects that the homeowner wishes to carry out.
Home inspections for buyers who wish to ensure that they aren’t buying a house that will need a considerable outlay for repairs to its structure shortly.
In our article 21 Reasons Why You Should Have a Home Inspection, we take a more in-depth look at why a home inspection is essential.
How to Prepare for a Home Inspection?
If you are selling your home, you may want to make sure that you are as prepared as possible for a home inspection to give yourself the best chance of passing the home inspector report criteria.
Let’s take a look at some of the things you can do to get your home up to scratch for its inspection:
- Cut back plants and trees from the property – Take some time to clear out any trees that are within 10 feet of the structure. Trees close to a foundation should be noted in the home inspection report. Furthermore, you should clear out any plants or vegetation that are encroaching on your home too.
- Repair any leaks – Leaks are a huge red flag on a structural home inspection. Do your best to get these attended to before the inspection occurs, even if they are only minor. However, if you have just recently repaired a major leak, you should inform the inspector of this.
- Clear out the gutters – Give your roof a good clean down and remove any debris that is up there. Take some time to clean the gutters and make sure that they are functioning how they should be.
- Make sure the crawl space is empty and clear from debris – Crawl spaces are one of the most dangerous places to navigate for home inspectors. Make sure these areas are completely clear of water, debris, and they are well ventilated.
- Keep your home as easy and as safe to navigate as possible – The predominant thing that you should be doing when preparing for a structural home inspection is to make it as safe as possible for the inspector. Ensure your home is as easy as possible to navigate by clearing any debris, trash, and furniture that may be in the way when inspection time comes around.
We have written a complete list of 35 Seller Tips to Prepare for Home Inspection Day. These tips will help any seller prepare for an upcoming inspection.
You can also download our home inspection checklist for a comprehensive outline of what most home inspectors will be looking for.
Structural home inspection issues consist of anything that can cause a problem to one of the four main structures in your home. These structures are the foundation, floor, walls, and roof. Some of these issues are more damaging than others, such as water penetration and foundation shifting.
The repairs for these issues can get quite expensive, so it’s usually within your best interest to deal with them as quickly as possible. What starts as a small problem can often snowball into something considerably worse for both your home’s structure and your bank balance.