Manchester, Connecticut

Defective Concrete and Crumbling Foundation Information


Manchester is one of over 40 municipalities in Connecticut known to have properties built using defective concrete used in building foundations. 

Owners of residential properties that are impacted by defective concrete are entitled to obtain a reduction in their property's assessment through a change in legislation that occurred in 2016.  Manchester has information about how to qualify for that assessment reduction, along with an application at this link:

Application for assessment reduction due to defective concrete

During the Connecticut State Legislature's 2019 session, Substitute House Bill No. 7179, Public Act No. 19-192, AN ACT CONCERNING CRUMBLING CONCRETE FOUNDATIONS, was passed.  Governor Lamont signed this bill into law on July 8, 2019.  This law contains a number of important provisions.  We recommend that owners of properties impacted by defective concrete review this legislation thoroughly.  A full copy of Public Act No. 19-192 can be viewed at this link:

Substitute House Bill No. 7179, Public Act No. 19-192, AN ACT CONCERNING CRUMBLING CONCRETE FOUNDATIONS, July 2019

The 2016 legislation regarding assessment reductions for defective concrete is online at this link:

In addition, the Connecticut Department of Consumer Protection also has more information about defective concrete at this link:

The Capitol Region Council of Governments, CRCOG, also has information about defective concrete on their website at this link:

The State of Connecticut's captive insurer, known as Connecticut Foundation Solutions Indemnity Company, Inc. (CFSIC) published their "claim management guidelines" and application for foundation replacement funding online.

CFSIC's home page is at this link:  

The application and information for homeowners who wish to submit claims is at this link:  

Applications can be completed online, or downloaded and completed offline. 

You may contact CFSIC by email at
The CFSIC website provides information about qualifying claims and how claims will be processed. The best place to start is to go to the “For Homeowners” section of the site, which includes a detailed "Q&A" section.

There is a also a separate page for contractors which assists contractors in learning what CFSIC will pay for and how work must be carried out.
The Connecticut Housing Finance Authority, CHFA, also administers the Supplemental Collapsing Foundation Loan Program, which is for owners approved for CFSIC funds, and loans through this program can be used for specific "eligible repair expenses" for items that might not otherwise be funded through CFSIC.  By application and approval, homeowners can borrow up to $75,000, with payment terms of 20 years or less. 

information on the Supplemental Collapsing Foundation Loan Program is available at this link:

In addition, the Connecticut Department of Housing has information online at this link:

The Department of Housing has appointed a Homeowner Advocate for Crumbing Foundations, Lena Holleran, and her contact information can be found at the link above.

The Town of Manchester recommends that anyone with a home built in 1983 or later examine their foundation and review the information above to determine if your home might be impacted.

Further information regarding the defective concrete issue in Manchester, and questions or concerns can be address by calling 860-647-3011, or e-mailing or

Link to the State of Connecticut Attorney General's Office issued a report on defective concrete issue in November 2016.

The Internal Revenue Service has specific regulations and procedures regarding claiming casualty losses regarding deteroriating concrete foundations caused by pyrrhotite.  The Town of Manchester staff is not experts in these IRS requirements, and we cannot provide assistance on how impacted homeowners can go about claiming such casualty losses.   However, we are listing the IRS information below for informational purposes:

           IRS Revenue Procedure 2017-60

           IRS Revenue Procedure 2018-14

           Additional IRS Materials:

Please note that the Town of Manchester Office of Assessment & Collection handles property assessment and tax collection for the Town of Manchester.  Property tax assessments are based on ad valorem values.  Property taxes in Connecticut are ad valorem taxes, not income taxes.  Therefore, the staff of the Manchester Office of Assessment & Collection are not experts income tax issues.  We do not have the knowledge to provide assistance on income tax issues that may or may not result from defective concrete issues.   We are not able to advise any owner as to the impact that defective concrete in your home may have on your income taxes in any manner, including tax liabilities or deductions that may result from any programs that might be available to you (such as CFSIC, CHFA, the IRS, DRS, insurance carriers, or any other source of funding for repairs).  We have links to various informational items on this web page as a courtesy, but we cannot recommend or provide specific advice on the third-party information provided in these links.  We can only recommend that any owner of a property with defective concrete, or any potential owner of a property with defective concrete, consider all options available to you, and seek out organizations or individuals with the necessary knowledge and expertise to allow you to make an informed decision, such as an accountant or an attorney, or any other expert you feel might provide helpful information.

Link to State of Connecticut, Office of Legislative Research Report on Crumbling Concrete Foundations in Connecticut, September 19, 2018

Link to June 6, 2018 presentation on "Crumbling Foundations, Defective Concrete" at the 75th Annual School for Connecticut Assessors and Boards of Assessment Appeals at UConn.

Link to February 4, 2020 presentation on "Defective Concrete in Manchester" at the Town of Manchester Board of Directors February 2020 meeting.

Trinity College in Hartford has information about pyrrhotite on their webpage.  It provides some scientific explanation of what pyrrhotite is, and the reaction process, and other frquently asked questions at this link:

(Placement of this link on this webpage does not constitute an endorsement of any organization offering professional business services for any fee.  All information on this web page is for informational purposes only)