Structural Damage

A significant impairment to the integrity of the whole or part of the Structure falling into one or more of the following categories:

1. Structural Cracking and Movement – major (full depth) cracking forming in Primary Elements resulting from differential movement between or within the elements of construction, such as foundations, footings, floors, walls and roofs.
2. Deformation – an abnormal change of shape of Primary Elements resulting from the application of load(s).
3. Dampness – the presence of moisture within the building, which is causing consequential damage to Primary Elements.
4. Structural Timber Pest Damage – structural failure, i.e. an obvious weak spot, deformation or even collapse of timber Primary Elements resulting from attack by one or more of the following wood destroying agents: chemical delignification; fungal decay; wood borers; and termites.