http://crumblingfoundations.org/

Connecticut Foundation Solutions Indemnity Company, Inc., 82 Hopmeadow Street, Simsbury, CT (2026)

08/04/2025

Our Next $25M Approved...

We should all be grateful, and we know that we are, to Governor Lamont and the CT Bond Commission for last Friday’s approval of our next $25M in CT bond allotment.

Everyone should be aware that we have not received those funds. We may not receive those funds for a few more months...but the commitment has been made, and that enables our budget planning process to move forward.

We also expect to receive approximately $11M in Healthy Homes funding within the next two months or so.

What’s the message that we want to leave with the public, other than gratitude?

APPLY NOW.

CFSIC is moving into the last five years of its lifespan. Think of where you live; think of the homes around you, and when your home and those of your neighbors were built. Remember the Severity Class code 1 possibility and understand that our last five years will be very busy.

Lastly, remember that your claim file is a confidential document seen only by the persons adjusting and managing your claim.

“Apply now” is the message.

07/17/2025

Our New Year Begins…

CFSIC’s fiscal year (the year we use for accounting purposes) began on July 1.

Our June 30, 2025 audit is already underway. With our new year comes the hope of continued funding from the CT Bond Commission. We’ve budgeted $25 million, and, by way of reminder, this is the last tranche of the second $100 million provided to CFSIC by state government.

We also anticipate receiving between $10.6M and $11.0M from the Healthy Homes surcharge fund…for a total funding in fiscal ’26 of just about $36 million.

We will be making an announcement on this page when these funds are received.

Meanwhile, for the first time in CFSIC’s history, we are continuing to issue Participation Agreements without what would normally be a stopping point while we await new funds. Please bear in mind that this is temporary and that, at the Superintendent’s discretion, the PA process could stop at any point if he believes that we are in danger of running out of funds before the next funding tranche arrives.

A new fiscal year means new hope for families dealing with the crumbling foundations crisis…a new foundation to their home and to their lives.

05/12/2025

Let’s Start in the Basement...

This week we again feature the work of Kevin Miller and an article of great importance for those persons contemplating a visual inspection of their foundation.

In his groundbreaking article on this subject, Kevin talks about “what’s behind that wall?” To view Kevin’s article:

https://crumblingfoundations.org/wp-content/uploads/2021/08/KeMiller_Newsletter6.pdf

No one wants to rip down a section of sheetrock, but here’s the issue: what is behind that sheetrock may be the source of the problem, and we all know that the telltale signs of pyrrhotite infection can exist in unlikely places. It’s also important, as Kevin notes in this great piece, that the incipient signs of pyrrhotite infection are sometimes only detected by looking at the smallest of details. It’s the details that matter in a visual inspection.

04/07/2025

In Support of Additional Funding for CFSIC...$100 Million More Is Needed...

“Although my foundation remediation has not been done yet, I have received my countersigned Participation Agreement from the Superintendent, and I am now very close to getting my foundation replaced. My opinion is that we have to keep the CFSIC program going with as much financial support as we can provide. There are so many victims left out there in the affected area, and they have no place else to turn. This is all about having a home that is safe and secure, and CFSIC needs to be there to help.”

Hazel Barber, Affected Homeowner, Tolland
_____________________________________________________________________

“The Capitol Region Council of Governments wholeheartedly endorses CFSIC’s request for an additional $100 million of funding to aid the victims of the crumbling foundations crisis. We have made this request our top priority for CRCOG’s Legislative Agenda, as we serve the majority of the communities affected by crumbling foundations. Our team has reviewed the data prepared by CFSIC, and we believe that the additional tranche of $100M in state funding will bring this terrible crisis, affecting housing security in eastern Connecticut, to an end.

We will continue to advocate for this critical funding to fully restore our communities and appreciate the support and leadership of our General Assembly and our Governor.”

Matt Hart
Executive Director, CRCOG
_____________________________________________________________________

“I speak as a victim of the crumbling foundations crisis who is now back in a home with a new foundation, thanks to the great people at CFSIC. I know firsthand what it’s like to face an uncertain future. Thanks to CFSIC, my family and I now face a more certain one. We all now need to finish the job and provide CFSIC with more funding so that the families still suffering through this natural disaster, with nowhere else to turn, will also be able to face a brighter future.”

Clinton Bragg, Affected Homeowner, Broad Brook
_____________________________________________________________________

“The Town of Ellington is one of the ‘hot spots’ of the crumbling foundations crisis...so far this housing security crisis has affected more than 161 families in my town. Mike Maglaras and his team at CFSIC have done a great job identifying these Ellington victims and getting assistance to them. Mike has informed me that as many as 90 more families will need crumbling foundations assistance in our town alone over the next five years. That’s $13 million in additional funding needed just in Ellington. We all need to get behind CFSIC to advocate for more funding for their efforts to bring housing security to all affected towns and return these homes to the tax rolls.”

Matthew Reed
Town Administrator, Ellington
_____________________________________________________________________

“CFSIC has recorded more than 117 crumbling foundations in Coventry alone. We are very much in the epicenter of the crumbling foundations crisis, and the families in our town have suffered as a result. Mike Maglaras has told me that we have a projected 40 to 50 families more who will apply over the next few years...that’s $6 million to $7 million in additional construction work in our town. As CFSIC is trying to raise another $100 million from state government to complete its task, I want to add my voice to those in support of their request. The CFSIC program works, and it has been instrumental in restoring our tax basis, home equity, and home security for the affected families who had nowhere else to go.”

Lisa Thomas
Chairwoman, Coventry Town Council
_____________________________________________________________________

“We know now that the crumbling foundations crisis has reached Glastonbury. On behalf of the Milestone Commons Condominium Association, I write in strong support of another $100 million in funding for CFSIC. We cannot leave any victim of the crumbling foundations crisis behind. The time to reaffirm our statewide commitment to housing availability and security for all is now.”

James Birok, President
Milestone Commons Condominium Association, Glastonbury
_____________________________________________________________________

“The residential real estate market has benefited tremendously from the work CFSIC has done. CFSIC has returned homes with crumbling foundations to their true value, and it has promoted housing security for all by making more quality housing available in the affected area. But this crisis is not over...CFSIC needs more funding to finish the job and make safe and affordable housing available to everyone in the area hardest hit by the crumbling foundations crisis.”

Corrinne Lomazzo
Berkshire Hathaway HomeServices New England Properties
_____________________________________________________________________

“There is no tougher foundation replacement project than a condominium association. Lifting a foundation platform on behalf of multiple families sharing that platform is not only expensive but is a significant feat of engineering. As President of the Ryefield Condominium Association I speak for many families who have suffered through this crisis. These families are my neighbors.

CFSIC has done an amazing job. We must all now also do an amazing job and get behind CFSIC and its request for another $100 million to finish its task. The victims of the crumbling foundations crisis deserve our support. CFSIC deserves our support.”

Diane Morrow, President
Ryefield Condominium Association, Vernon
_____________________________________________________________________

02/10/2025

What Are We Asking For?…

Last week, on February 6, the Superintendent had the pleasure of speaking with the Crumbling Foundations Caucus and others about the extent of the crumbling foundations crisis and what CFSIC’s needs will be over the next five years.

The Caucus is a bipartisan legislative group composed of both Senators and Representatives from both sides of the aisle who have volunteered to do what they can to address the needs of the victims of the crumbling foundations natural disaster.

CFSIC’s needs are specific, and we received a helpful and respectful response to our information and to our “ask.”

Too see the PowerPoint presented by the Superintendent to the Crumbling Foundations Caucus, click below:

https://crumblingfoundations.org/wp-content/uploads/2025/02/CFSIC_Ops_Update_Caucus_020625.pdf

Are You Benefiting from a Town Tax Abatement?…

CFSIC is not a part of the decision-making process of the towns in the affected area and the way property tax abatements are handled for those homeowners who are victims of the crumbling foundations crisis. The property tax abatement process is between you and your town.

However, for those of you receiving a tax abatement who have not applied to CFSIC yet, or for those of you who are Inactive claimants and who have been “taking your time” to do what is necessary to become Active, or for those of you who are Active claimants who have simply postponed indefinitely seeking the necessary remediation proposals that would put you in the Participation Agreement line…be very careful.

CFSIC’s funds are finite. The CFSIC program will not go on forever. In fact, the Superintendent has stated publicly that it is the Board of Directors’ wish that CFSIC have in its sights the end of its mission. There is also no guarantee we will receive any future funding at all.

In short, there will come a day when your time runs out with CFSIC…and we’re guessing that there will come a day when your property tax abatement also comes to an end.

Then there is the issue of fairness. If you are receiving a tax abatement from your town, and you are doing nothing to help yourself as a victim over an extended period of time, you may begin to feel the consequences of that lack of action.

If you have not applied, do so…if you’re an Inactive claimant, make yourself Active…if you’ve been putting things off because a remediation is just not convenient, you could lose.

12/03/2024

Seeking Contractor Proposals...

When your CFSIC claim is made Active, you receive written notification of its Active status. It is sent to the email address we have on file for you.

That’s your signal that you should go to the Capitol Region Council of Governments (“CRCOG”) website and view the list of contractors who are eligible to receive CFSIC funding.

When you actually examine the history of a CFSIC claim, from the moment the claim application is filed to the moment a local building official releases a Certificate of Completion for that foundation remediation project, the reason many claims are as delayed as they are is not, believe it or not, the slowness of the Participation Agreement line...it is the amount of time claimants take to seek contractor bids and get those bids in front of their claim adjusters.

Many claimants delay this process. A certain amount of delay is understandable. After all, claimants want to check references. They want to drive by and view remediations underway by the contractors they are thinking about. They want to speak with other claimants about what their experiences have been during the construction process.

On the other hand, we have quite a few claimants who, contrary to our recommendations, immediately seek bids for construction long before they become Active claimants. We never recommend this. If it’s going to take 18 to 24 months before an adjuster can actually get to your claim file, open it up, and make your claim Active...if you seek bids too soon, you may find out that the contract has lapsed and is no longer valid once your claim is made Active.

So, to put it shortly: seek your construction estimates once your claim has been made Active. When you achieve Active status, your designated claim adjuster is focused tightly on receiving and reviewing the proposals you’ve received, and the approval process will go quickly.

Achieving Active status in the CFSIC program gets you one step closer to having your claim funded and realizing your goal of being back in a safe and secure home environment.

10/17/2024

1,000 Families Served...

We’ve reached the milestone of 1,000 families served.

This is an important milestone for many reasons...not the least of which is because each one of those families is a victory, because each one of those families had nowhere else to turn except CFSIC.

As we pause to celebrate this achievement, it’s important to recognize the great team who has worked one-on-one with families to make this day happen: Nicole Carrozza, Jenny Nguyen, Ryan LaFountain, Andi Ireland, Shannon Fraize, Caitlin Emanuel, and Jeff Tager. The people who, behind the scenes, have worked with families and contractors to get this job done. The great team at ESIS.

We’ll take a moment to celebrate them as we celebrate this victory...but it will just be a moment: as today we must continue our work...opening applications, working with victims, paying contractors on time, and returning tax revenue to the hard-hit towns affected by the crumbling foundations crisis.

09/29/2024

CFSIC Certification Course Announced...

We’re pleased to announce that the 2024 CFSIC home inspector certification course will be conducted on December 12 and 17, 2024.

The course work has been prepared by our concrete scientist Kevin Miller and is designed to first-time certify or recertify CT-licensed home inspectors wishing to participate in the CFSIC program by educating them in the foundation visual inspection process. Annual recertification is mandatory.

We’re also pleased to report that a number of professional engineers (who are not required to take this course by virtue of their being licensed in CT as engineers) do so anyway, because of the cutting-edge science and information available to them.

At the conclusion of the day’s study and coursework, an examination is taken...an exam with a fairly high failure rate.

Within a few days after the final course is completed on December 17, we will publish (in the "Useful Links" section of the CFSIC website) the names and contact information of all currently certified home inspectors as well as those engineers who have taken and passed the course.

This certification course is free of charge and is one of the ways that CFSIC is helping the victims of this crisis. CFSIC continues to embrace and utilize the visual inspection process to pay claims for crumbling foundation claimants.

CFSIC’s visual inspection certification course is the only one of its kind in the world.

08/12/2024

Bonding Approved...

On August 8, the CT Bond Commission met and approved our next $25M in bonding. We are very grateful to Governor Lamont and to all members of the Bond Commission for their support of the victims of the crumbling foundations crisis.

To be clear...the PA line is still closed. We will immediately re-open the PA line once funds from state government are transferred to us.

Please bear in mind that we are still awaiting Healthy Homes surcharge funds as of today’s Latest News.

Meanwhile, all of our underwriting and claims management processes continue, and new applications are arriving, including applications from a new and significant condominium complex where documented evidence of the extent of the crisis exists.

As soon as funds are received, we will announce it here and re-open the PA line on the same day.

05/30/2024

Latest News...May 28, 2024

Our Second Biggest Day...

This morning the Superintendent will authorize $1,505,885 in claim payments on behalf of the victims of the crumbling foundations crisis. This is the second largest weekly disbursement of crumbling foundations funding in the history of the program.

This disbursement will take the form of deposits paid to contractors to secure construction contracts as well as progress payments made to contractors as families get ready to move back into completed, safe, and secure homes.

The PA Line Will Close on June 3...

The Superintendent will issue the last new PA in the fiscal year July 1, 2023 through June 30, 2024 on Monday morning, June 3. No new Participation Agreements will be issued from the Superintendent’s office until the next round of funding has been paid into CFSIC’s accounts.

Once those funds are received, we will make an announcement on this page that the PA line is re-opening, and we will start, as we always do, by going backwards to the last family in line where we left off on June 3, 2024.

04/15/2024

Some Facts and Figures...

Periodically we take the time to inform the public about the status of the CFSIC program, how many people we’ve helped, and how the program is doing in general.

The Superintendent receives reports each Friday morning covering a broad section of information about the status of the program. This information tells us how we’re doing and how we are responding to the crisis, and allows the Superintendent to monitor our progress throughout the affected area.

So, here are some relevant facts and figures as of Friday, April 12:

- Number of Type 1 foundations remediated: 904

- Number of claims covered by Participation Agreements countersigned by the Superintendent: 1,229

- Value of Type 1 (remediation) claim payments to date: $129.5 million

- Value of Type 2 (reimbursement) claim payments to date: $10.0 million

- Reserves held for known Type 1 Severity Class 3 and 2 claimants who have applied to the program and whose files support those Severity Class codings: $72.1 million (reserves are not held for Pending claimants)

- Total claimants registered with CFSIC: 2,287

- Number of Severity Class 3 claimants registered with CFSIC: 1,340

- Average paid Type 1 claim: $155,441

- Average paid claim with PUDs and condos removed: $160,937

From time to time we’ll continue to update the public about where we are as we combat the crumbling foundations crisis and return safe and secure homes to the victims throughout the affected area.

04/12/2024

Waiting for Your PA?...

Remember something important about getting a Participation Agreement: your PA will come from the Superintendent’s office. It will not come from your assigned claim adjuster at ESIS.

If you are awaiting a PA by email, and you’ve phoned the Superintendent’s office and have been given an approximate week that you’ll be receiving it...please don’t let months go by without simply asking the question, “Why don’t I have my PA yet?”

Yes, you read that right. Each week the Superintendent’s office reaches out to claimants who have gotten their PAs as much as three months earlier and have never responded. When someone from the Superintendent’s office phones them and asks why they have not signed and returned their PA, sometimes the response is “We’re just not ready to clean out our garage yet.” Yes, you also read that right. After as much as two and a half years of waiting for a PA, to suddenly want the process to slow down doesn’t make a lot of sense...but that’s a fact of life with the crumbling foundations program.

In many other cases, it’s because the PA sent by email went into spam. The homeowner spending 90 seconds in the spam folder usually retrieves it without difficulty.

What’s the moral of the story?

If you’ve been promised a PA within an approximate time span, and weeks or months have gone by where you haven’t received it, get curious as to why. Check your spam folder for an email from Michael Maglaras & Company (the Superintendent’s office)...but don’t just sit there and do nothing about it. Remember also that the Superintendent regularly pulls people out of line for funding when they are non-responsive to phone and email communications asking them why they are no longer interested in following through with their crumbling foundation claim.

There are many people in need, who are ready to clean out their garages; who are ready to make plans for alternative places to live; who are ready to have their homeowner’s equity restored. We are happy to move non-responsive claimants out of line and give their funding to people who are actually ready to receive it.

Connecticut Foundation Solutions Indemnity Company, Inc.

08/04/2025

07/17/2025

05/12/2025

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02/10/2025

12/03/2024

10/17/2024

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