Homeowner's Insurance Inspections
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SIGNIFICANT cracks or deterioration where water or exposure to weather is an immediate concern as a potential for loss should be marked as a major. General rule of thumb should be cracking/separating of 2 inches or more in width and/or depth with significant length is a major. If slight cracking is occurring, mark as a minor condition concern only.
Foundation Crack - Minor
Pier and post foundations should be marked as a major IF the area is a main part of the structural support of the home, including those pier foundations that are covered by lattice-type skirting. An enclosed porch, sunroom, deck, or small wing addition on piers would NOT need to be marked as a major if that was the only portion on piers. All non-continuous foundations should also be a major.
Pier Foundation - Minor