Homeowner Information

To familiarize yourself with the program:

1. Determining your type of claim

First, you must determine whether you are a “claimant.”

Under the CFSIC program, claims will be presented to CFSIC by claimants who qualify because they own residential buildings where a “crumbling foundation” may be involved.

A “claimant” will be defined as follows:

(a)       the owner of a single-family dwelling;

(b)       the owner of a multiple-family dwelling capable of housing not more than four families;

(c)       the owner of a condominium;

(d)       the owner of a unit within a planned unit development.

(Under the current enabling legislation governing how CFSIC is organized and structured, condominiums and PUDs are eligible, but are not eligible when five or more dwellings sit on the same foundation. This limitation will continue pending a legislative change.) Certain other limitations also apply to the definition of the term “residential building.” Click here to learn more.

2. What We’ll Pay For...And How Much We’ll Pay

The CFSIC program places limitations on the kind of expense that will be paid for or reimbursed for an active eligible claim with your completed CFSIC application, inclusive of your Participation Agreement.

CFSIC will pay for:

  • excavation, drainage, waterproofing, and backfill
  • removal of existing foundation, footings, lally columns, and floors
  • removal and eventual reinstallation of all mechanicals and utilities
  • the lifting of the eligible residential building and garage (as applicable) and the eventual lowering of the house, chimney, and garage (if applicable) onto the new foundation
  • the installation of stone base under footings and compact
  • form and pour all footings and walls with #5 rebar (or appropriate)
  • rebuild base of chimney
  • form and pour pockets left in foundation
  • backfill garage with gravel and compact (as applicable)
  • form and pour 4-inch (or applicable) concrete floor in basement and garage (if applicable)
  • install pre-cast hatchway and install Bilco (or similar) door as appropriate
  • apply parge coat on above-grade foundation and apply Drylok (or other applicable) foundation coating
  • grade yard and spread loam as applicable and where disturbed

(This is a basic list of allowable services and materials. If you have any questions about what is allowable, you should contact ESIS ProClaim at cfsic@esis.com

Contractors submitting proposals to you to do your foundation work will have to adhere not only to the requirements about what CFSIC will pay for, but also what the maximum is that CFSIC will pay. 

CFSIC will pay for work performed as listed above at the following maximum replacement cost parameter rates:

  • $12 per square foot of garage floor slab
  • $27 per square foot of basement floor slab
  • $657 per linear foot of garage foundation walls
  • $719 per linear foot of house foundation walls

The rules governing what CFSIC will pay for and the maximum it will pay for the work performed apply to both Type 1 and Type 2 claims.

Again, all of the work noted above is encompassed in the maximum rates shown. CFSIC will not pay for any other expenses in any other way.

3. What We Won't Pay For

What follows is a list of examples of those items that will not be paid for by CFSIC:

  • replacement of drywall and/or other finishing wall features, including re-framing;
  • removal/replacement of porches or decks;
  • removal/replacement of gutters;
  • removal/replacement of landscaping features such as driveways, walkways, paths, shrubs, lawns, trees, gardens, or other plantings or garden structures;
  • any work done to outbuildings, sheds, or barns;
  • swimming pools, whether in-ground or above-ground, or any ponds or water features;
  • moving or relocation expense;
  • temporary housing expense;
  • meals, transportation, mileage, and incidentals;
  • loss of wages or income or revenue associated with any work or any business, whether such business is home-based or not;
  • any liability incurred by the homeowner or any other person on a direct, indirect, or consequential basis.

4. Understanding the Process: Foundation Replacements

1) Once you’ve taken a look at the Underwriting and Claims Management Guidelines and reviewed the Frequently Asked Questions, if you think you have a valid Type 1 (foundation replacement) claim, you should first go here before you actually start completing an application. (Please remember that homeowners applying for financial assistance with a foundation replacement do not have to include any proposals for foundation work as part of the application process.)

2) Go to the Type 1 application. Read the application all the way through before you start to complete it online. Pay close attention to the materials you will have to attach to the application as part of filing your claim.

3) Complete the application, answering every question as best you can. The application must be signed. The electronic version of the application provides a way for you to electronically sign your application. At the end of the application, there are not only instructions as to how you can attach the necessary documents, but you will find instructions as to how you submit the application electronically. If at any point you need help completing your application, you can email the claim adjuster at cfsic@esis.com, or you can telephone the claim adjuster at 844-763-1207 during normal business hours.
You may also print your completed application and physically attach all required documents and put them in the mail.

You can send your completed application to:

Connecticut Foundation Solutions Indemnity Company, Inc.
c/o ESIS ProClaim
82 Hopmeadow Street
Simsbury, CT 06070

The claim adjuster will acknowledge your application by email or by letter, and will tell you if your claim is eligible, or tell you that something has been left incomplete on your application or by way of an attachment.

4) Incomplete applications (meaning, something has not been filled out correctly or has been left blank, or the attachments you sent are incomplete) will place your claim in “inactive” status, until you address any of the claim adjuster’s concerns.

5) If your application is complete in all respects and you are eligible, you will be notified of this fact by the claim adjuster, and you will be assigned a claim number.

6) You will be directed to the CRCOG site for an applicable list of contractor vendors. You must obtain a minimum (with no maximum) of two contractor proposals as part of the process from the list of names on the CRCOG site.
(On the CFSIC website, there is a separate “For Contractors” section which will give contractors the information they need to help you. Refer them there if they need assistance.)

7) You have to solicit two or more listed contractors for proposals. These proposals are given to you. You then email these proposals to CFSIC (at this point, contractors cannot deal with CFSIC directly as part of the claims process). The CFSIC claim adjustment team will review proposals for: (i) accuracy and clarity with regard to the work CFSIC will pay for; and (ii) whether the proposal, on a linear and square footage basis, does not exceed the allowable claim payment costs.

8) The claim adjuster will then contact you and indicate if (i) the two or more proposals are acceptable for consideration; and (ii) if there are any issues disqualifying a bidder.

9) It is solely your responsibility to choose the contractor to do the work once you get the go-ahead from CFSIC. Only you can enter into the construction contract. CFSIC will not be a party to the construction contract.

10) Once the contract is signed by both parties, it will then be the contractor’s responsibility to contact CFSIC. In the “For Contractors” section there are explicit instructions as to what the contractor must do.

11) The claim adjuster will then contact the office of the Superintendent about the active status of your claim. The Superintendent’s office will provide you directly with a copy of the Participation Agreement, which you will have to sign and return to the Superintendent before any further action can be taken on your claim. The Participation Agreement form is final. It cannot be amended, modified, or negotiated. You will not be able to participate in the CFSIC program unless you agree to complete the Participation Agreement.

12) To the extent that a financial gap exists between the total cost of eligible concrete work that CFSIC will pay for and all the work you need to have done, or between the total cost of the concrete work and CFSIC’s cap of $175,000 per eligible building for the concrete work performed, you and the contractor must come to an agreement, prior to the work commencing, as to how that gap is to be covered. That gap will not be covered by CFSIC as part of its claim process. The arrangement will be solely between you and the contractor.

13) The agreement you will enter into with the contractor will specify progress payments at certain points throughout the life of the project. As payments become due, the contractor will invoice CFSIC for CFSIC’s specific share of each progress payment, but only for the CFSIC share of the eligible concrete work. The contractor will be required to supply CFSIC with a copy of your cancelled check for your share of the progress payment before CFSIC will pay its share. (By way of an example: if a progress payment due totals $40,000...of which you are responsible for $10,000...CFSIC will not make the claim payment for its $30,000 share until and unless the contractor includes, as part of the invoice for the progress payment, a copy of the front and back of your cancelled check for your share.)

It is the contractor’s responsibility to invoice CFSIC for progress payments. CFSIC will not diary or otherwise flag payments to be made by notifying you or the contractor. Claimants may not invoice CFSIC for progress payments.

5.Understanding the Process: Foundation Reimbursements

1) Once you’ve taken a look at the Underwriting and Claims Management Guidelines and reviewed the Frequently Asked Questions, if you think you have a valid Type 2 (foundation reimbursement) claim, you should first go here before you actually start completing an application.

2) Go to the Type 2 application. Read the application all the way through before you start to complete it online. Pay close attention to the materials you will have to attach to the application as part of filing your claim.

3) Please note...you will have to attach to your application a copy of the contractor’s original proposal to replace your foundation, but where that proposal has been amended or is accompanied by a letter on the contractor’s letterhead clearly listing the eligible concrete work the contractor performed for you, and including a calculation by the contractor of the costs for that work, which cannot exceed the allowable linear/square foot maximums shown in Section 2 above (What We’ll Pay For...And How Much We’ll Pay). Claims for reimbursement will be subject to an absolute cap of $175,000 for the eligible concrete work performed.

4) On the CFSIC website, there is a separate “For Contractors” section which will give contractors the information they need to help you by recalculating their original construction proposal to take into account CFSIC’s allowable costs. (This is all explained in the “For Contractors” section. Refer contractors there if they need assistance.)

5) Complete the application, answering every question as best you can. The application must be signed. The electronic version of the application provides a way for you to electronically sign your application. At the end of the application, there are not only instructions as to how you can attach the necessary documents, but you will find instructions as to how you submit the application electronically. If at any point you need help completing your application, you can email the claim adjuster at cfsic@esis.com, or you can telephone the claim adjuster at 844-763-1207 during normal business hours.
You may also print your completed application and physically attach all required documents and put them in the mail. You can send your completed application to:

Connecticut Foundation Solutions Indemnity Company, Inc.
c/o ESIS ProClaim
82 Hopmeadow Street
Simsbury, CT 06070

The claim adjuster will acknowledge your application by email or by letter, and will tell you if your claim is eligible, or tell you that something has been left incomplete on your application or by way of an attachment.

6) Incomplete applications (meaning, something has not been filled out correctly or has been left blank, or the attachments you sent are incomplete) will place your claim in “inactive” status, until you address any of the claim adjuster’s concerns.

7) If your application is complete in all respects and you are eligible, you will be notified of this fact by the claim adjuster, and you will be assigned a claim number.

8) The claim adjuster will then contact the office of the Superintendent about the active status of your claim. The Superintendent’s office will provide you directly with a copy of the Participation Agreement, which you will have to sign and return to the Superintendent before any further action can be taken on your claim. The Participation Agreement form is final. It cannot be amended, modified, or negotiated. You will not be able to participate in the CFSIC program unless you agree to complete the Participation Agreement.

9) Upon satisfactory full completion of your Participation Agreement and your application, including all relevant points of evidence, the claim adjuster will provide you with a payment equal to 25% of the allowable costs, and will thereafter provide you with a payment of three more installments covering the entire reimbursement claim, subject at all times to CFSIC’s Underwriting and Claims Management Guidelines.

6. What You’ll Have to Agree To

In order to participate in the CFSIC program, you will have to complete and sign a Participation Agreement for your claim.

Type 1 Participation Agreement

Type 2 Participation Agreement

8. Before Completing an Application

Read through the entire application applicable to you.

Review all the points of evidence you need to submit with your application. Make certain that you have all points of evidence as legible documents. Understand what you will have to attest to.

Review the Participation Agreement in advance and make certain that you understand it and can sign it, agreeing to all its terms and conditions.

For assistance with the application and attachments, contact ESIS ProClaim by email or by telephone at 844-763-1207.

For assistance with the Participation Agreement, contact CFSIC.

Applicants should avoid attaching unnecessary files that might slow down the upload process. Please do not attach movie files. Please do not attach transmittal letters or separate documents to try to tell your story, or photographs not connected specifically with any of the required attachments. The best rule of thumb is to stick strictly to the attachments that are required as part of the application.

9. Go to a Type 1 Application

Go to a Type 1 Application

10. Go to a Type 2 Application

Go to a Type 2 Application

11. To Get Help with an Application

You can email ESIS ProClaim at: cfsic@esis.com. Their phone number is 844-763-1207. (Before that date, your inquiry will not be responded to, as no applications can be made to CFSIC before that date.)

If you have a general question about the CFSIC program, please email CFSIC at: info@crumblingfoundations.org

If you’d like to review the complete Underwriting and Claims Management Guidelines, click here.

12. Getting Help with Severity Class Code Rating

In order to be eligible for the CFSIC program, all Type 1 (foundation replacement) claims must have a severity class code assigned to the foundation in question. No Type 1 applications will be considered that have not been severity class coded.

To learn more about CFSIC’s severity class code rating, click here.

You may have been provided, at some point in the past, with a written visual examination report by a Connecticut-licensed professional engineer. You may also have had a visual exam conducted by an engineer assigned to you by a commercial insurer when you filed a homeowner’s claim. In either case, if a written visual examination was provided to you before January 10, 2019, you may be eligible to choose, from a list of engineering firms pre-selected by CFSIC, to have a review done of your existing written examination report to determine a severity class code for your foundation.

Here are the rules that apply:

  1. The re-examination program only applies to written visual examination reports done before January 10, 2019 where no CFSIC severity class code rating was assigned OR those instances in which the engineer who did your visual exam has not already come back and voluntarily assigned you a CFSIC severity code. (Read your existing report carefully...to make sure that, if it is a recent report, a CFSIC severity class code has not already been assigned by the engineer who conducted the visual examination.)
  2. CFSIC will pay for a one-time re-examination of your existing written engineer’s report or for a site visit to your foundation (if applicable)...but to take advantage of this, you can only use one of the engineering firms pre-selected by CFSIC. (If you cannot find your original written examination, you should contact the engineer who did it for you.)
  3. You must have a complete copy of the original engineer’s written examination in your possession, and you must be able to upload it electronically or to provide a copy to the engineer by U.S. Mail.
  4. The severity code rating decision made by the engineer you select from the CFSIC list will be final with respect to the evaluation of your foundation at the time it is evaluated. You will not be able to “shop” an engineer’s opinion.
  5. You must contact one of the CFSIC selected engineering firms by no later than July 31, 2019 in order to arrange for your severity class code assignment. (Said another way...you cannot apply to have a class code evaluation at CFSIC’s expense after July 31, 2019. After that date, you will still need to be severity class coded, but you will have to pay for it yourself.)
  6. You will be responsible for contacting the engineering firm you select from CFSIC’s list. You will be completely responsible for getting the existing written visual examination report to the engineering firm you select. You will be responsible for making an appointment and keeping it, if it is determined that a site visit is needed.
  7. You must cooperate fully with the engineer you choose from the list of selected engineers on this website. If a mutually agreed-upon appointment for a site visit is established between you and the engineer, and you do not cancel it or reschedule it in advance, or the engineer arrives at your home and is unable to view the foundation in an appropriate way, you lose your opportunity for CFSIC to pay for the severity class code evaluation. You will have to arrange separately with the engineer in question for a re-scheduling of the examination, which will be conducted solely at the engineer’s discretion and at the engineer’s prevailing price, which will be paid for by you.

Severity class code grading examinations will be conducted in two ways:

- If the engineer reviewing your existing visual examination report can determine a severity class code for the foundation in question solely from the evidence in the written report, he or she will do so and assign a code; OR

- At the engineer’s choosing, the engineer may decide to conduct a visual examination of your foundation because the written examination report does not provide sufficient information to assign a class code; or because, in the engineer’s belief, he or she cannot fairly assign an applicable severity class code due to the passage of time.

Either way, the engineer selected by you will provide CFSIC with written confirmation of the severity class code assigned to your foundation, and you in turn will be notified by ESIS ProClaim of that decision.

The two engineering firms that are available to assist you are provided below in alphabetical order:

1) J.M. Albaine Engineering, LLC
14 Lincoln Road
Waterford, CT 06385

Phone: 860-439-1111
|Email: jma724@snet.net 

2) Chubb Global Risk Advisors
ATTN: Allen Abrahamsen
23 Red Fox Lane
Mount Bethel, PA 18343

Phone: 570-856-3476
Email: allen.abrahamsen@chubb.com

PLEASE NOTE: Chubb has set up a special link to facilitate the electronic receipt of your prior examination. The link is:

Chubb_CFSIC Pyrrhotite Class Prioritization

13. Collaborating Insurers Benefit Programs

Three commercial insurers - Travelers, The Hartford, and Liberty Mutual - have now launched their benefit programs for CFSIC’s active claimants.

If you are a current or former insured of Travelers, and you applied to CFSIC on or after January 10, we will be informing Travelers that you have applied; and as your claim moves into active status, we will alert Travelers when your claim is fully adjusted and fully paid. However, you can enroll in advance in the Travelers program once you have received a letter from ESIS indicating that your claim has been made active by CFSIC.

The same holds true for The Hartford and Liberty Mutual programs. Once you have received a letter from ESIS indicating that your claim has been made active by CFSIC, you can enroll in advance in either program.

With regard to The Hartford and Liberty Mutual, those homeowners who applied to CFSIC on January 10 and subsequent should now go to the applicable links for these insurers to register with them, so that they know that you are a current or former insured.

The Type 1 and Type 2 CFSIC applications have been modified, and on a going-forward basis effective February 1, CFSIC claimants will have an opportunity to indicate on the application that they are current or former insureds with regard to all three companies.

Again, if you are an existing claimant who has filed an application with CFSIC from January 10 through January 31, and you are a current or former Travelers insured, we will be informing Travelers that you have a claim pending before us.

For claimants first applying to CFSIC on or after February 1, who are Travelers, Hartford, or Liberty Mutual insureds, you will have the opportunity to indicate on your CFSIC application your relationship with one or more of these insurers.

The important thing to remember is that in order to qualify for issuance of a benefit payment from any or all of the collaborating insurers benefit programs, your CFSIC claim must be fully paid.

If you are a Type 1 claimant, this means that you are not entitled to any benefit assistance from any of the three benefit programs unless your Type 1 claim has been fully paid...meaning, the last check in the flow of progress payments made by CFSIC to your contractor has been paid.

With respect to Type 2 claimants, your claim is considered fully paid when the final of the four quarterly installments paid by CFSIC to you on your Type 2 claim has been paid.

The ESIS claim adjustment staff cannot help you with any questions about collaborating insurer issues, including the status of any collaborating insurer claim. All of the collaborating insurers have posted websites to help claimants through the benefit process and have included email addresses and phone numbers for your assistance.

To reach the Travelers site, click here

To reach The Hartford site, click here

To reach the Liberty Mutual site, click here

If you’d like to review CFSIC’s complete Underwriting and Claims Management Guidelines, click here.