Signs of Structural Damage in Your Home | Bankrate (2026)

It often starts small. A gurgling toilet. A protruding floor nail. A dark spot on an otherwise pristine ceiling.

Serious structural problems in a home are often indicated by a seemingly insignificant item or change. Here are some examples of easily overlooked issues that could suggest trouble brewing, how to check, and what sort of home repairs might be warranted.

Balky doors

The warning sign: Your door is sticking or won’t close all the way.

What it may mean: You might be tempted to just fiddle with the door until it closes — but consider why it is doing this. It could be as simple as a latch or hinges not working properly, or it could be a sign that the foundation of your home has shifted, potentially as the result of the structure settling or experiencing pressure from expanding clay, soil or other material.

What to do/steps to take: Consider taking a look at the door and its frame first. You might be able to spot issues with how the latch and the strike plate are engaging with one another or might simply need to tighten some screws in order to fix the problem. But if you’re still experiencing a door that won’t close or sticks, you might want to call in a professional — a contractor who can look at the door as well as your foundation and determine if there might be a bigger problem that requires addressing.

Sloping floors

The warning sign: Things roll when they drop on your floor, or nails suddenly seem to protrude or even pop out.

What it may mean: Sloping floors aren’t always easy to spot because the change can be subtle, but your floors may become less than level over time. In some cases, it can simply be the floor settling or expanding and contracting as the weather changes. But oftentimes, it’s worse than that. The uneven nature can result when the joists — structural support for the floor — become rotted or broken. The resultant sag is what makes fasteners seem more prominent.

What to do/steps to take: To really know what is going on with your floors, you’ll need to call in a professional. It’s possible that this problem is affecting the integrity of your home and needs to be addressed sooner rather than later. Best case scenario, your floor was just installed improperly — but if that’s the case, you’ll still want a professional to redo it for you.

Ceiling stains

The warning sign: Spots or patches on your ceiling that are a different color than the rest of it.

What it may mean: On top of being unsightly, ceiling stains often suggest bigger problems like water damage. Ceiling stains can be caused by leaky pipes, condensation, ice dam damage, or hard water. It can come from internal sources like your HVAC system or external ones like a leak in the roof. Ceilings don’t just change color on their own, so know that something caused it and you’re going to need to figure out what.

What to do/steps to take: Because of the number of potential issues that could cause ceiling stains, it may be hard to identify on your own. Try inspecting the roof or the room right above the stain for leaks (especially if it’s a bathroom); that may at least point you in the right direction of the issue. But you’ll likely want to call in a professional roofer or a plumber to really pinpoint and repair the leak.

Window cracks

The warning sign: A crack abruptly appears in your window. And no one’s been playing ball or golf around the house.

What it may mean: It could just be abrupt changes in weather conditions: Stress or pressure cracks often occur because glass expands and contracts as it experiences heat and cold. These cracks are typically perpendicular or hourglass-shaped, whereas an impact crack has a starburst shape. However, it could also mean your window frame wasn’t installed properly, or that the home’s exterior has shifted.

What to do/steps to take: Check the window frame to see if it’s level and examine your home’s siding. If you see more cracks, call a contractor; there may be some structural problems. No matter what, you’re going to have to call a glazier to get that glass replaced — the crack will only grow, and it will make opening or closing the window dangerous.

Bulging washing machine hose

The warning sign: The hose that connects your washer/dryer to the water supply looks bigger. A lot bigger. Or it’s developed a balloon.

What it may mean: Washing machine hoses can, over time, start to bulge. This is the result of high water pressure regularly running through them and causing the rubber hose to eventually expand like a balloon. When this happens, the hose is starting to lose integrity and it’s only a matter of time before it bursts, which can cause flooding and water damage to your home.

What to do/steps to take: If you notice your washing machine hose is bulging, you can replace it yourself. Pick up a replacement hose from your local home store — and consider springing for a steel hose that will last longer so you won’t have to replace it again any time soon.

Bubbling or chipping paint

The warning sign: You notice imperfections in the paint on the walls or ceilings.

What it may mean:It could just be a bad paint job. But if you’re noticing it seemingly out of nowhere, there may be bigger problems. There could be a leak in the plumbing behind the walls that is resulting in the paint chipping or bubbling.

What to do/steps to take: Don’t just paint over the problem. Check first to see if you feel any dampness and if so, if you can identify a leak. You may want to call in a plumber to inspect the area and the pipes behind it before doing anything else.

Slow or noisy water flow

The warning sign: You aren’t getting the same level of gush that you used to, no matter what setting you put on that new-fangled shower head. Or you hear a gurgling sound from the toilet.

What it may mean: The water pressure has dropped off. Water pressure problems typically don’t happen all at once, but you may notice them building up over time. They can be caused by rusting or corrosion within the lines of the pipes, buildup from hard water or silt, or even a clog. These all cause airlocks, resulting in what the pros call “negative pressure.”

What to do/steps to take: You can do some groundwork investigation by asking your neighbors about their water pressure to make sure it’s not a widespread issue, checking for leaks around your home, or picking up a pressure gauge and checking the water pressure levels yourself. If you suspect a clog, you can try clearing it on your own. But if that doesn’t work, or the problem runs deeper, you’re likely going to need to call in a professional to repair or replace the pipes.

Signs of Structural Damage in Your Home | Bankrate (2026)

FAQs

How to tell if a house has structural damage? ›

Look for visible cracks in walls, check doors and windows for ease of operation, and pay attention to the evenness of floors and ceilings. It's also a good idea to inspect the exterior of your home for signs of damage, such as cracks in the foundation or brickwork, as well as any visible bowing or leaning walls.

How do you detect structural damage? ›

Little things, big problems: warning signs of structural damage in your home
  1. Balky doors.
  2. Sloping floors.
  3. Ceiling stains.
  4. Window cracks.
  5. Bulging washing machine hose.
  6. Bubbling or chipping paint.
  7. Slow or noisy water flow.
Jun 22, 2022

What is evidence of structural damage? ›

Visible cracks: Look for large cracks in the foundation or load-bearing walls. Small hairline cracks might be cosmetic, but larger, widening cracks indicate deeper issues. Doors and windows that stick: If doors or windows begin to jam or fail to close correctly, it could be due to the shifting of the building's frame.

Can structural damage to a house be fixed? ›

How to fix structural damage. Find the right licensed contractor to complete structural repairs on your home. Roofing contractors can repair your roof and replace damaged or missing shingles. Construction contractors can repair cracked walls, fix slanted floors and mend issues in your home foundation.

Does homeowners insurance cover structural defects? ›

Standard homeowners insurance policies usually cover structural damage on your property. This includes your foundation, ceiling, flooring, roof and more. Your policy protects these structures under dwelling coverage in the event of unexpected damage.

How do you know if your house is unstable? ›

Here are some of the most evident signs you can look out for:
  1. Cracks on the walls. ...
  2. Chimney cracks. ...
  3. Sinking earth around the house. ...
  4. A stinking and rocking toilet. ...
  5. A damp crawl space. ...
  6. Bubbling paint on the walls. ...
  7. Stains under the windows. ...
  8. Uneven or warped walls.
Mar 31, 2022

What do structural damage cracks look like? ›

Cracks wider than ¼ inch or those that are horizontal are known as structural foundation cracks. As the name indicates, these cracks pose a severe threat to the structural integrity of the foundation.

How do you know if internal cracks are structural? ›

Structural foundation cracks are generally larger than 3mm and come in different shapes and sizes. One end of the crack may be wider than the other. The concrete on either side of the crack may be flush, or it could be uneven. A typical structural crack pattern is a stair-step crack in brick or cinder block walls.

Who is responsible for structural failure? ›

Anyone who breaches a duty of care with negligent actions may be responsible for structural failure injuries. Examples of parties who may be responsible for structural failure injuries include: Building owners and managers. Architects and designers.

What is considered a structural defect? ›

What is a structural defect? Structural defects are defined as “a fault or deviation from the intended structural performance of a building element.” These defects are classified as 'minor' or 'major' defects and can include anything from cracks and wall dents, to more serious electrical or gas issues.

What is irreparable structural damage? ›

Definition: Irreparable damage or injury means harm that cannot be fixed by money. For example, cutting down trees that provide shade, polluting a stream, not giving a child medicine they need, not supporting a building that could collapse, tearing down a structure, or other actions that cannot be undone.

What is a major structural defect in a house? ›

Structural defects are defined as “a fault or deviation from the intended structural performance of a building element.” These defects are classified as 'minor' or 'major' defects and can include anything from cracks and wall dents, to more serious electrical or gas issues.

How can an inspector identify structural wall problems? ›

Some red flags to watch out for when inspecting a property for structural integrity include:
  • Cracks wider than 1/8 inch in the foundation or walls.
  • Bulges or bowing in the walls.
  • Uneven floors or walls.
  • Sagging or unevenness in the roofline.
  • Signs of water damage, including mold and rot.
Apr 5, 2023

How do you know if your house is falling apart? ›

Primary signs your home will collapse soon
  • Cracks on the walls. A cracked wall is the first and most apparent sign of preliminary structural failures. ...
  • Chimney cracks. ...
  • Sinking earth around the house. ...
  • A stinking and rocking toilet. ...
  • A damp crawl space. ...
  • Bubbling paint on the walls. ...
  • Stains under the windows. ...
  • Uneven or warped walls.
Mar 31, 2022

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