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10.20.2010

Home Foundation Repair-Basic Guide-Stone/Rock Foundation

Home Foundation Repair: The Basics 

Green builders and home preservationists have a common goal: conservation. If you're looking to bring an older home up to modern standards of green building, you'll need to understand the basics of fixing a home's foundation, and what can cause foundation failure.



Old homes were designed with structural logic much different from today's. New homes are designed with strict adherence to the lumber sizing and spans listed in the building code. Old homes were built with common sense, logic and feel. Most homes built between 1880 and 1930 were built on inferior footing. These old footings offer foundation walls little support, which then may support often overspanned joists and girders. Historic home foundations were subject to improper load calculation, inferior footings and substandard mortar. Old framing systems can be vastly over- or under-built. Each is a potential point of failure. It is crucial to understand such risks during a rehabilitation.

Structural failure is a phrase that scares the average Joe. Unfortunately, most structures subject to a century of seasonal expansions, water, humans, animals, deferred maintenance, improper storage and poor footings are destined to have some structural issues that need to be addressed. Combine construction flaws, time and the dreadful soil of central North Carolina, and it's rare that I see an old home that doesn't have some sort of structural problem. Structural issues can all be addressed, however, and most are simple (but laborious) fixes.

The structure of a building is formed by foundation and framing.

The foundation is a structure that transfers loads to earth. It keeps earth and wood apart. The concept is simple: A house is heavy, so a foundation spreads that load over an area suitable for the earth to handle. The average two-story Queen Anne Victorian weighs between 30 and 60 tons, enough for three 20-ton jacks to support the whole thing (theoretically, but don't try it at home).


The framing forms the structure, defines separate rooms and carries the floor, wall and roof loads to the foundation.


I'll discuss the most common foundation and framing techniques, common problems and how each is typically fixed. I'll also discuss basic preservation and sustainability issues related to the structure.

Footings and Foundations

Footing and Foundations are constructed of footings and foundation walls. A footing is the belowground mass, generally made of concrete or brick, that supports the foundation wall. It is sized to transfer the weight of the entire structure to ground. A footing must sit on stable soil and not backfill, which compresses easily. If the soil is not stable, the footing is more likely to fail. Today footings are eight inches wider than the wall or pier they support (e.g., a 12-inch-wide wall requires a 20-inch-wide footing) and deep enough to sit below the frost line, the depth at which groundwater is expected to freeze in a respective climate.

Footing construction varies greatly on old homes. Larger stately homes may well be on large and well built footings, though it would be rare to find the metal reinforcing bar (rebar) required today. Many houses sit on a soldier course, which is nothing more than an extra course of bricks at the bottom of the brick pier or foundation wall. Soldier courses are commonly found above the frost line and are prone to mortar breakdown, especially under pressure of water.




The foundation wall carries loads from the exterior sill beam framing to the footing. Piers support interior girders and are made of a variety of materials — stone, masonry and poured-in-place concrete are all common. Mortar joints offer little resistance to unbalanced lateral forces (such as a backfilled basement wall), so tall, thin, unreinforced masonry curtain walls are prone to failure.


The foundation wall also defines the area underneath the main living space. In the northern United States, basements are common, while in the South, crawl spaces are more typical. A below-grade basement or crawl space is intrinsically unstable and problematic; the pressures of earth and groundwater are predisposed to assault its footing and wall. Based on their porosity, soils hold and shed varying amounts of water. The basement floor can actually be below the water table, most likely in spring when snow is melting both on the roof and ground.


Water causes nearly all problems in foundations. Water against a foundation wall exerts hydrostatic pressure — water trying to get from areas of high pressure (poor draining soil) to areas with less (your basement). Frost heave happens when water freezes in poorly draining soil, then expands and pushes the footing, foundation and house upward. Any footing above the frost line will rise and fall with the freeze thaw cycle. Typical frost lines vary from four feet in Maine to less than a foot in the Southeast, and footings must be at least as deep as the frost line to avoid frost heave. The best solutions for water problems are to grade, divert roof runoff, dampproof or waterproof the foundation.


Grading refers to the slope of earth around the foundation. Code requires a 5 percent slope to 6 feet around the foundation, and many old homes fail this bench mark. Any place where a slope does not meet such grade is subject to water problems. Solutions include swales, which create a low point six to 12 feet from the foundation to capture water, and French drains, a subsurface swale covered with perforated pipe and drainage gravel, allowing surface grading to remain unaltered.

RE: Roof runoff (rainwater) is diverted away from the foundation by either gutters or proper grading. In cold climates gutters cause ice dams which can result in roof leaks and eave damage, which is why some forgo gutters in favor of ground-based drainage often involving plastic water barrier protection covered with decorative gravel or a continuous pitched concrete grade.

 

Dampproofing keeps most water out of the foundation, but allows water through in a torrential rain. A perforated pipe is set just below the exterior of the footing, sloped to direct water away via gravity or sump pump.A dampproofing approach may or may not include a latex waterproofing paint on the foundation wall, now required by many local ordinances on new construction.


Waterproofing keeps all water from entering the foundation and is necessary if using the basement as finished space. It is much more involved than dampproofing. Waterproofing can be done inside or outside the foundation wall; it's better to stop water before it enters the structure though that does requires a more expensive exterior waterproofing. First, a thick, impermeable dimple sheet is installed to keep water out of the foundation. Next, just below the footing, a perforated pipe is set which captures groundwater and drains it to either daylight or a sump pump. A sump pump is used to remove water accumulated in a sump pit, commonly placed at the low point in a basement, crawl space or exterior.


Bentonite clay is a natural waterproofing material that functions by suspending water in a gelatinous form. Less natural but more common is extruded polystyrene foam board insulation (XPS), which is a cheap and common detail on new foundations, particularly in northern climates. It is nonpermeable (except at its seams), helping resist water infiltration.



It's important to differentiate between problems caused by surface water runoff and a high water table. The first can be fixed rather simply, the latter may be impossible. High water tables enter the structure through the wall and the basement floor. Concrete is porous, and no match for such pressure. Today, vapor barriers of 4- or 6-millimeter-thick polyethylene are installed under slabs and are an excellent tool against such an assault. Old homes won't have such a barrier. A possible fix is to install a vapor barrier and pour a new slab. Still, while it's feasible to waterproof a new footing and all its transition points it's nearly impossible to waterproof an old footing. Footing drains outside should relieve some of the pressure, but not all. If there is evidence of a high water table, it's recommended that you leave the basement unfinished. Finished basements require a 100 percent success rate against water, and the costs to insure such a rate would be too excessive.



Lastly, a wet basement can occasionally be caused by a blocked drain tile, failed sewer or stormwater line. Unfortunately, private lines are not easily explored by anything short of excavation. Plumbers do have pipe camera tools that can avert a major dig, though many are cautious about sending an expensive piece of equipment up a pipe with an unknown blockage.

House Jacking

Fixing the foundation, or rebuilding it entirely, requires the temporary transfer of the house's loads above in order to perform the work. Holding the house consists of temporarily lifting the load-bearing girders or sills on a portion of the house just enough to remove failed members. One-half inch is usually enough. Raising the house consists of lifting the entire house at once. One foot elevation to an entire story is typical. Raising strategies might be considered when a usable basement is desired in tandem with major foundation reconstruction. The house may be raised as much as eight to ten feet to allow for the addition of a new floor below.



The merits of permanently raising a house are an ongoing debate in the preservation community. An argument that the house must be raised to ensure its longevity as a healthy structure makes a stronger case than arguing it must be raised because the owner wants a game room. Generally speaking, lifting the house significantly disrupts the streetscape by creating an unusually tall structure, particularly so if raising more than a few feet. In New Orleans, of course, it's argued that raising houses is necessary now to survive potential future flooding, so the debate continues.



It also is impossible to raise a house without reconstruction of chimneys, since the practice will throw all your hearths off elevation. Floors are raised while chimneys are not. Balloon-framed homes can be more difficult to jack than platform-framed structures. Since a balloon-framed floor may be tacked onto the studs with nothing more than a few nails, jacking up the floor may lift only the floor system, while not lifting the walls. To correct this, jacking may be required from the inside and out, and sometimes a temporary wall between floors is needed to ensure the whole structure rises in tandem.

New Foundation Construction

 

After the house has been lifted, a new foundation wall can be built. Often a pier and curtain wall will be replaced by a continuous masonry wall made of either brick, CMU block or both. Wood wicks water from masonry, which is why building codes now specify that any wood in contact with masonry now must be pressure-treated. If a new foundation wall is supporting an existing non-treated sill, termite protection should be installed — either pressure-treated wood or a termite flashing made of 20 gauge aluminum. Be sure to install sleeves for utilities. Short PVC stubs suffice for electric, water and HVAC lines.


As with all exterior features, try to match any foundation detailing. If the piers protruded beyond the curtain wall on the exterior, or had some masonry corbelling for example, it would be good to restore that detail. I've found preservation boards to be reasonably flexible so long as the old foundation wasn't extremely distinctive.


Additional Links:

Foundation walls are usually made of poured concrete or stacked concrete block, materials that reinforce the feeling of the basement as a secondary space. To give the basement main-floor style, cover the concrete with your choice of ...
Your basement is basically a box of porous concrete, buried in wet ground, and when that ground gets saturated with water, the resulting hydrostatic pressure pushes the water against the foundation walls. That water will eventually find ...
Rock Foundation Repair and Water Proofing PhotosScotts Contracting Job Site Photos
This page contains various job sites photos of projects .

Scotts Contracting performs the repairs needed in our City's Typical Rock Foundations found on a Large Percent of City Dwellings. Addresses Below to email scotty for a free estimate on your next project.


 Newly added Basement Photos: 

Friday, October 22, 2010


Basement Conversion Photos 

Friday, October 22, 2010


Basement Remodeling Photos-Basement Design Photos

Friday, October 22, 2010


Before and After Fireplace Photos

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Scott's Contracting
scottscontracting@gmail.com


Fed Govt-Wants Banks to Buy Back Some Bad Mortgages- B of A Listed

To the long list of those picking fights with banks over bad mortgages, add the Federal Reserve.

Two years after the Fed bought billions of dollars in mortgage securities as part of the financial bailout, its New York arm is questioning the paperwork — and pressing banks to buy some of the investments back.

The Federal Reserve Bank of New York and several giant investment companies, including Pimco and BlackRock, have singled out Bank of America, which assembled more than $2 trillion of mortgage securities from 2004 to 2008.

Bank of America is already dealing with the fallout from the fight over whether foreclosures were handled properly. It insists that no foreclosures have been initiated in error, and on Monday announced it would resume the foreclosure process in 23 states where court approval is required to go ahead.

But while the human toll of the foreclosure crisis has grabbed the headlines, the fight over how these loans were created in the first place could last longer and ultimately cost the banks much, much more. And it is setting the stage for a huge battle between mortgage holders like the government, hedge funds and other institutional investors on one side and the big banks on the other.

"It's very serious," said Glenn Schorr, an analyst with Nomura Securities. "The numbers are all over the map."

If the Fed and the investors succeed, it could cost Bank of America billions of dollars. On Wall Street and in bank boardrooms, the question of whether investors can force banks to buy back, or "put-back," the bad mortgages to the banks that sold them is dominating the debate and worrying analysts, money managers and banking executives.

It also makes for some strange bedfellows. After all, it was the government that bailed out Bank of America — twice — during the financial crisis, the same government that includes the Fed.

And it is going to be a fight. On Tuesday, after watching its shares get pummeled again, Bank of America went on the offensive, vowing to "defend the interests of Bank of America shareholders," and hire more lawyers.

"It's loan by loan, and we have the resources to deploy in that kind of review," said Brian T. Moynihan, Bank of America's chief executive, on a conference call to discuss the bank's results for the third quarter.

Although the bank turned in better results than expected, much of the call was given over to the put-back issue. "We have thousands of people who are willing to stand and look at these loans," Mr. Moynihan told analysts. "We'd love never to talk about this again and put it behind us, but the right answer is to fight for it."

The legal battle turns on the question of whether the banks properly represented the loans they put together into mortgage-backed securities when they sold them to investors. If the banks ignored evidence that the underlying mortgages did not conform to underwriting standards or they lacked the proper paperwork, the banks could be obligated to buy the troubled mortgages back.

The Federal Reserve Bank of New York and the other large investors are pressing Bank of America to buy back a portion of the $47 billion in mortgages it originated, most of which were assembled by Countrywide Financial just before the real estate boom turned to bust in 2005, 2006 and 2007.

Countrywide, which specialized in subprime mortgages, was acquired by Bank of America in July 2008.

"People did not think bondholders would be able to organize themselves, but they can," said Kathy Patrick, a Houston lawyer who is leading the effort. "It's a large amount of money but the principle is simple. When you promise to do something in an agreement, you should do it." A letter from Ms. Patrick detailing the claims was obtained by The New York Times.

The danger posed by angry — or opportunistic — investors 'putting-back' mortgages to the banks is hardly limited to Bank of America. Other giants like Citigroup and JPMorgan Chase face similar claims, and last week JPMorgan set aside $1.3 billion just for legal costs, including put-backs.

JPMorgan has said it expects repurchases of mortgages to run at about $1 billion a year, but that expense should be covered by $3 billion it has earmarked specifically for put-backs.

At Bank of America, repurchases have been running at about half a billion dollars a quarter. The bank estimates total put-back claims stand at $12.9 billion, as of Sept. 30. In the third-quarter, Bank of America recorded an $872 million expense for put-backs.

Besides the major institutions, hedge funds like York Capital and Moore Capital have been jumping into the game recently, buying up bad debt in the hopes it will eventually be bought back, according to traders and money managers. Both funds declined to comment.

And smaller ones are sniffing around, hoping to ride the depressed securities higher as the fight over put-backs gathers steam.

"Any hedge fund with a distressed desk is contemplating this trade," said one analyst who insisted on anonymity. "The idea of bottom-fishing vulture funds buying this stuff up for a nickel on the dollar so they can sue the banks to get 100 cents must be pretty odious for the Treasury, which bailed out the banks in the first place."

Indeed, the group that includes the Fed is one of two coalitions that is gearing up for a fight with the banks.

Bill Frey, chief executive of Greenwich Financial Services, leads a group of investors that holds just under $600 billion worth of mortgage-backed securities.

But it is the recent controversy over foreclosures that has jump-started interest by pension funds, hedge funds and other players. "In the last two weeks, there has been a flood of new investors," Mr. Frey said. "We haven't even had a chance to do the arithmetic, that's how fast they're coming in."

Besides all the lawyers that billions can buy, the banks have other weapons in their arsenal. Some hedge funds and other investors are nervous about challenging the banks too forcefully, because they trade with them daily.

There is risk too for the government, despite the Federal Reserve claims. If the banks are indeed forced to spend tens of billions to buy back securities, they could turn once again to the federal government for help.

Given the legal resources available to the banks, though, that is unlikely to happen quickly. And for now, broader conditions in the financial services are improving. On Wednesday, Bank of America reported that operating earnings in the third quarter hit $3.1 billion, in contrast to a loss a year ago.

A substantial portion of the profit gain came from the expectation of lower losses among credit card and mortgage borrowers, rather than new business, but the bank was able to recapture money it had earlier set aside. It released $1.8 billion from reserves, compared with a release of $1.45 billion in the second quarter.

On a noncash basis for the quarter, the bank reported a loss of $7.3 billion because of a $10.4 billion write-down in the value of its credit card unit, attributed to federal regulations that limit debit fees and other charges.


Minh Uong/The New York Times


--
Scott's Contracting
scottscontracting@gmail.com
http://www.stlouisrenewableenergy.blogspot.com
http://www.stlouisrenewableenergy.com
scotty@stlouisrenewableenergy.com

Sheriff in Illinois' Cook County says he will cease evictions-B of A Listed

Tuesday, October 19th, 2010, 1:52 pm

Cook County, Illinois Sheriff Thomas Dart said Tuesday he would not carry out evictions involving Bank of America (BAC: 11.50 -2.54%), Ally Financial (GJM: 22.04 -0.36%) and JPMorgan Chase (JPM: 38.19 +1.33%) starting Oct. 25.

BofA, Ally and JPMorgan Chase suspended foreclosures in 23 states, which includes Illinois, as they review affidavits signed without proper review or a notary present. BofA said it will begin resubmitting affidavits and restart foreclosures in those 23 states on Oct. 25. Ally is resubmitting affidavits as it remediates faulty documentation.

Banks repossessed more than 102,000 homes in the Chicago area in September.

According to Dart's office, the recent freezes did not stop evictions already in the process. These three servicers and their subsidiaries account for one-third of the 3,700 eviction orders filed in Cook County every year.

"I can't possibly be expected to evict people from their homes when the banks themselves can't say for sure everything was done properly," Dart said. "I need some kind of assurance that we aren't evicting families based on fraudulent behavior by the banks. Until that happens, I can't in good conscience keep carrying out evictions involving these banks."

Two years ago, Dart refused to carry out evictions for any banks when renters were given no notice about a foreclosure on their accommodation.

Friday, Dart sent a letter to the banks' attorneys demanding affidavits that affirm any foreclosures filed in Cook County and those awaiting eviction orders in court have been properly processed. He gave the banks five days to respond.

According to Dart, legal proceedings take about two years from the time a foreclosure is filed until it reaches his office.

Write to Jon Prior.





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Scott's Contracting
scottscontracting@gmail.com
http://www.stlouisrenewableenergy.blogspot.com
http://www.stlouisrenewableenergy.com
scotty@stlouisrenewableenergy.com

We are drowning in a bipartisan cesspool of corruption

Obama Hires a Hustler

Excerpt from Article: The more one learns about the political roots of our economic meltdown, the more the Democratic Party stands revealed as an equal partner with the Republicans at the center of corruption.

Donilon has worked for most of the party's top dogs, including Walter Mondale, Jimmy Carter, Bill Clinton and Joe Biden.

Surely the Republican ideologues who want to end all government consumer protections and are quite adroit at lining their own pockets are no better, but that is cold comfort.

We are drowning in a bipartisan cesspool of corruption, and the sooner we grasp that fact the better.



 
One day as Wall Street was crashing, President George W. Bush had the temerity to plaintively ask his treasury secretary, Henry Paulson: "How did this happen?" Paulson, who headed Goldman Sachs before taking the Treasury job, remarks in his memoir: "It was a humbling question for someone from the financial sector to be asked--after all, we were the ones responsible."

That's an honest enough admission about the culpability of the financial community in bundling the toxic derivatives packages still disastrously undermining the economic health of the nation. Even more startling was Paulson's admission in his memoir that he, at the time he was advising the president, still did not know that home mortgages were at the heart of those troubling securities that his former company had marketed to others with such wild abandon.

Were President Barack Obama to ask that question about the origins of this crisis of Tom Donilon, one of his closest aides whom he recently appointed to the critical job of national security adviser, Donilon would find it even more awkward to invoke the defense of ignorance. As the chief lobbyist for Fannie Mae from 1999 to 2005, he was far more intimately involved than Paulson in the manufacturing of this crisis. He successfully pressured Congress to give Fannie Mae the green light to speed past any sound regulation. Indeed, had Congress endorsed the barest semblance of regulation of the Fannie Mae-led housing scam, it would have been stillborn instead of being a very much alive Frankenstein creation.

Fannie Mae paid Donilon, a longtime Democratic Party operative, $15 million to lobby Congress to gut the power of government regulators to check the scandalous behavior in what would have been judged a crime until a majority of pro-Wall Street Republicans and Democrats in Congress rewrote the laws. He was also a top executive at Fannie Mae during the period when cooking the books to increase executive compensation would later lead to a $400 million fine. In pursuit of those profits, Fannie Mae entered into a partnership with Angelo Mozilo's shady Countrywide Financial, and together they produced the computerized CLUES and MERS credit verification and mortgage registration systems that are at the heart of the housing swindle. Mozilo at least was finally slapped with a huge fine last week, while Donilon has yet to return a penny.

Why in the world would President Obama, whose legacy has been sabotaged by a housing crisis that Donilon helped create and conceal, have hired him to run the most sensitive position of public trust in his administration? Because he is one of the most skilled of the Washington players, and, as this president has demonstrated so often with his key appointments, it's the top hustlers of whom he seems enamored. "He has a probing intellect and a remarkable work ethic," Obama stated this month upon appointing Donilon, thereby reducing ethics to a variant of ambition rather than morality, "although it's one that depends on a seemingly limitless quantity of Diet-Coke." Ha, ha. But of course Obama must avoid questioning the connection of that work ethic to the impoverishment of tens of millions of homeowners. When Donilon first entered his presidential campaign in 2008, Obama knew he had been working as a legal adviser to Goldman Sachs and Citigroup, two firms that had to depend on government bailouts to survive a housing crisis they helped create.

Behind the wonderfully engaging smile of this president there is the increasingly disturbing suggestion of a cynical power-grabbing politician whose swift rise in power reflects less the earnestness of his message and far more the skills of a traditional political hack. If there was more of the sincere community organizer in the inner makings of this man, he would not have turned to one of the architects of a housing scam in filling a leadership position in his administration. Why assume that Donilon will now run our foreign policy, wrapped as it is in a secrecy that endangers so many, with any greater sense of moral integrity than he employed when he enriched himself by impoverishing so many ordinary Americans not blessed with his political connections?

The more one learns about the political roots of our economic meltdown, the more the Democratic Party stands revealed as an equal partner with the Republicans at the center of corruption. Donilon has worked for most of the party's top dogs, including Walter Mondale, Jimmy Carter, Bill Clinton and Joe Biden. Surely the Republican ideologues who want to end all government consumer protections and are quite adroit at lining their own pockets are no better, but that is cold comfort. We are drowning in a bipartisan cesspool of corruption, and the sooner we grasp that fact the better.

 

Re: Put An End to Wall Street Bonuses!



On Wed, Oct 20, 2010 at 10:08 AM, Andrew, Care2 Action Alerts <actionalerts@care2.com> wrote:
Care2 subscriber since Aug 29, 2010 Take Action
you have 53 butterfly credits
care2 petitionsite actionAlert

Hi Scotty,

The U.S. taxpayer-funded rescue set up to save banks from collapse really backfired for consumers. Banks are still unreformed, raking in billions in profits while public finances are gutted :(

It's time to take the money back. Tell President Obama that we won't stand for any more recklessness »

A new proposal -- a tiny tax on international bank speculation could raise hundreds of billions of dollars each year for U.S. job creation and to fight global disease, poverty and climate change. This holiday season, I think consumers should get a break, instead of big bankers. Cut the bonuses »

Sign this petition urging President Obama and call on him to support a financial transaction tax »

From Care2 Thank you,
Andrew
Care2 and ThePetitionSite Team


Put an End to Wall Street Bonuses!
Your voice will make an important difference.
Take Action!
  
Take action link: http://www.care2.com/go/z/e/AF5q7/zKMx/BJ1xQ


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Scott's Contracting
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http://www.stlouisrenewableenergy.blogspot.com
http://www.stlouisrenewableenergy.com
scotty@stlouisrenewableenergy.com

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