Renee Healion Appraisals & CT Appraisal Review
Renee Healion Appraisals           & CT Appraisal Review

An unfolding disaster for Connecticut homeowners

An alarming number of residents in Eastern Connecticut have discovered that their home foundations are failing. A quarry in Willington, Connecticut was a longstanding source of aggregate used in concrete for building construction. The quarry contained a vein of the mineral pyrrhotite, which contaminated the aggregate, and so, the concrete. In time, the mineral reacts with water, causing the concrete to crumble and foundations to fail.


The quarry’s products were used in an estimated 20,000 residential construction projects over 30 years.


Repairs proved ineffective. Replacement of the foundation is costly but the only currently effective solution. The process involves detaching accessory structures and utilities, lifting the house structure, demolishing the defective foundation and pouring a replacement foundation.


Homeowner claims were denied by insurers. FEMA declined assistance.


Homeowners formed grassroots organizations to advocate for assistance and provide information (see Coalition links below). The State of Connecticut Insurance Department warned insurers not to cancel insurance based on such a claim. US Representatives Joe Courtney and John B. Larson, with the support of US Senators Richard Blumenthal and Chris Murphy, obtained income tax relief for homeowners which now may span several years, and have sought HUD funding. The Capitol Region Council of Governments (CRCOG) assists towns and homeowners with pertinent information and its site is frequently updated.


The Connecticut legislature passed a bill which the Governor signed implementing the collection of a $12 surcharge on every homeowner insurance policy to fund a captive insurance entity to distribute funds for relief, almost entirely for crumbling concrete foundation owners (CFSIC). The surcharge should raise about $9 million. The state is authorized to borrow about $100 million. Remediation costs are likely to exceed $1 billion (source: CT Mirror, Mark Pazniokas, 5/5/2018 link below).


The Connecticut Foundation Solutions Indemnity Company (CFSIC) is commencing operation. The Dept. of Housing has a Homeowner Advocate for Crumbling foundations, Lena Holleran.


Because this disaster, the scale of which remains unknown, affects residential properties, it is a residential appraisal issue. To provide information to appraisers, agents, and members of the public, I will add links to active groups and political representatives as well as news articles on this Renée Healion Appraisals website. The reader is cautioned that this is an unfolding issue and my links are not warranted to be current. If there are any corrections or suggestions, please feel free to email me.

map of claims has expanded since:  CFSIC site

The homeowner coalition’s site and FB page below:

CT-DOH Homeowner Advocate below:


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