Latest News…December 28, 2020

The Season of Giving Thanks…

As we close 2020, the Superintendent has been recently interviewed to provide an update on operations, funding, and the future of CFSIC.  View this interview.

We also wanted to take a moment and post some comments that have been sent to us recently by homeowners who were back in their homes with foundations replaced in time for the holidays.

“My life crumbled the day I discovered my foundation was plagued by pyrrhotite. CFSIC and ESIS, ever helpful and ever kind, helped me rebuild. My cost minimal…my gratitude maximal.”

– Deborah M., Manchester

One of the important things to remember about CFSIC’s management and its staff is that we have all been working remotely since Day One… even well before the pandemic of 2020. This meant that our work could go on when the pandemic struck, through seven-day-a-week efforts on behalf of our claimants. When the pandemic crisis hit Connecticut, we were fully functional and we remain so, with more than fourteen staff members working behind the scenes every day of every week.

“CFSIC took a huge weight off our shoulders, for which we are forever grateful.  Both Jenny and Michael were always incredibly responsive, and the overall process was surprisingly simple.  Even amid a pandemic, CFSIC was able to come through for us.”

– Katherine T., Tolland

CFSIC believes in straightforward operation and conducting everything we do in a straightforward manner. We have tried to put the homeowners first at all times, with knowledge, with information, and always with the truth. We’ve instructed our contractors to deal fairly and professionally with the victims of this crisis at all times, and we thank them for being part of our team.

“…Calls and emails are returned with clear and honest answers and within a reasonable time. Their website is straight forward, with content from instructions, weekly “Latest News” updates and a regular President’s messages.  Their people are knowledgeable, caring and just as important, Supportive.  Their work and backing of the contractors is very much seamless. I cannot say enough regarding my appreciation for All at CFSIC & ESIS, for their support and understanding for what is difficult for everyone involved.  Thank You so very much and Wishing All a blessed new year.”

– Robert R., Ellington

Read more testimonials from some of those we have served through our efforts (PDF).

It’s Also…The Season of Giving…

Contributions to CFSIC by individuals and corporate entities are tax-deductible.

One way to help make certain that victims are not re-victimized is to cut a check made payable to “CFSIC.” That check is fully tax-deductible to the extent permitted by law.

For every dollar you contribute to CFSIC, more than 96 cents goes directly to foundation replacements to help families who have nowhere else to turn.

In 23 months of operation, CFSIC has returned 270 families to their homes.

Please consider a donation to CFSIC as one of the ways you can give back to your community.

Checks made out to “CFSIC” can be mailed to:

Connecticut Foundation Solutions Indemnity Company, Inc.
237 Hillside Road
Ashford, CT 06278

We do not permit individual contributions to be made to CFSIC for the specific use of a specific claimant. All funds received will go into the general fund for all claimants.

For those who truly believe in the benefits of grass roots efforts…the time to help is now.

Now Also Accepting Type 2 Applications for Pending Claimants

Effective December 14, 2020, you will be able to go on this site and file an application if wish to be a Type 2 (foundation reimbursement) claimant, with the understanding that you will be registering your claim as a Pending claimant.

This is a change from the original plan…but the Superintendent has considered a number of emails and phone calls that he has received requesting that we re-open for Type 2 as well as Type 1 claimants, and CFSIC has agreed to do this.

We want to emphasize again that CFSIC’s board has authorized a total of only 100 paid Type 2 claims during its lifespan…it is unlikely that this number will be increased in future.

View a video designed to help you complete an application.

Learn what a Pending claimant is.


To read a Q&A that will help you understand the Pending claimant process, see below.

Question: I have a verified Severity Class coded 3 foundation, and I just found that out. If I apply, do I get in line right away?

Answer: No. All you can become, once we re-open our doors for applications on December 7, 2020, is a “Pending Claimant” with a Severity Class 3 foundation. You will be joining, when you apply, a list of existing Pending claimants, many of whom are also Severity Class 3. At this point, applying as a Pending claimant does not put you in line for remediation…it only allows you to register the existence of your impaired foundation with us.

Question: Are you saying that, even if I have a completed application and a verified Severity Class code 3 foundation, you will be unable to make my claim “Active” or even “Inactive” on or after December 7, 2020?

Answer: That’s currently correct. You will not be able to become an Active or Inactive claimant until all current Active and Inactive claimants now in line have their claims fully adjusted and their funds committed by CFSIC. You will be a Pending claimant. You may remain a Pending claimant for a very long time. You may never receive any funding, given our current projection of revenue between now and June 30, 2030.

Question: But don’t you know for certain that you’ll be getting one more payment of $20 million sometime after July 1 of 2021 and around $11.6 million to $12.0 million in June of 2021 and every year thereafter through June 30, 2030 (if they change the current sunset date of June 30, 2022)?

Answer: We have every expectation of getting our last $20 million of Bond Commission funding in the summer of ’21, and we believe that we’ll get $11.6M to $12.0M at around the same time for the second installment of Healthy Homes funding. We should get eight more installments of Healthy Homes funds after that, annually, for similar amounts. But we want to be clear…all that funding is currently allotted to Active, and Inactive claimants (who will become Active), with Severity Class 3 and 2 foundations, most probably through the end of 2026 or the beginning of 2027. If at that time we get through the current list of those in line for a Participation Agreement, as well as others who can move into that line, in 2027 we are only going to start to get to between 150 and 200 Pending claimants who were already been in line before December 7, 2020.

Question: So if I apply as a Pending claimant now, do I still get a claim number?

Answer: You do, and that claim number means you are registered in our system.

Question: So that means a claim adjuster will reach out to me?

Answer: No. You will have no contact with a claim adjuster. You won’t have that contact until and unless your claim moves into Inactive or Active status. CFSIC’s adjusters are very busy managing the day-to-day process of existing Active and Inactive claimants as well as all the construction associated with those claims.

Question: Can I file a claim as a Pending claimant and I just file the application, even if I don’t have all my points of evidence?

Answer: You can…and you will still get a claim number…but remember: you will never be able to move beyond that point to Active status, if funds become available, until your application is complete in each and every regard.

Question: So if the sunset date gets moved, you get enough money in June of 2021, and you make my Pending claim an Active claim in, say, 2028, and I am a Severity Class 3, that means I jump ahead of all the existing Active Severity Class 2s that have been in line since January 10, 2019…right?

Answer: No. As of January 13, 2020, we are not going to permit any Severity Class 3 claim originally filed as a Pending claim to jump ahead of an Active Severity Class code 2 already registered with us as an Active claim prior to January 13, 2020. We have many Active Severity Class coded 2 claimants who have been in line since January of 2019, and we have determined that it is fair to issue Participation Agreements first for all existing Active 3s and 2s in our system before any Pending claimant can get in line for a Participation Agreement. This is only fair, given how long people have waited.

Question: But I thought Severity Class coded 3 claimants would always be ahead of everyone else. What has changed?

Answer: CFSIC’s Underwriting and Claims Management Guidelines changed effective January 13, 2020, and that change was published on this site, to require that CFSIC issue Participation Agreements to valid, Active Severity Class 3 and 2 claimants who have been in line since the inception of our program before we move any Pending claimants into Active or even Inactive status…regardless of funding amounts to come.

Question: This sounds very discouraging. I guess I’m wondering why I would bother to register my claim with CFSIC given this outlook for the future.

Answer: The choice to apply, of course, is yours. But there are a few reasons why you might want to do this. First, to the extent more funds are made available legislatively in future, we may be able to get to you and get to you sooner than anticipated. Also, you should be aware that there has been some discussion with the Superintendent’s office and officials of state government about the possibility of accelerating part or all of our anticipated Healthy Homes funding. We have no idea where these discussion are going, as they are in the most preliminary phase. Also, if you are a valid Pending claimant who has registered your claim with us, and you decide later to sell your home, as a Pending claimant validly in our system you can transfer your claim to the person buying your home. This may have some value to you. Lastly, we encourage homeowners to think of the greater good…the more claimants in our system who hold Pending status, the greater likelihood, we think, of making a valid case for increased funding at the state and/or federal level.

Question: I plan to file on December 14 as a Pending reimbursement claimant (Type 2). Do I have to wait for assistance until you start addressing all Pending claimants, or can I get in line for help faster?

Answer: The answer is you will have to wait until we start addressing all Pending claimants as a group.

Learn more about what it means to be a Pending claimant and learn how our system works.

Is Your Claim Still Inactive?

We’re pleased to report that fewer and fewer CFSIC claimants are categorized as Inactive.

Right now, we have a total of 13 Inactive claimants (not counting Pending claimants who cannot be made Active, or even Inactive, for the foreseeable future).

Seven of those Severity Class 3 claimants are Inactive primarily due to incomplete applications; three claimants are awaiting approvals/declinations of their commercial insurance claims; and three are still in litigation.

Among Severity Class 2 claimants, none are in litigation; two are awaiting approvals/declinations of their commercial insurance claims; and one is Inactive because of an administrative issue.

It’s important to point out that these numbers are far fewer than we saw a year ago. It means that claimants are working hard to make their files active, which is the only way, once more funding arrives, for them to get in line for a Participation Agreement.

CFSIC’s 2020 Annual Audit

CFSIC believes that reasonable transparency about all important aspects of our operations is important. This is in keeping not only with our stated mission of service, but also with our federal tax-exempt status as a 501(c)(3). You can find CFSIC’s audited financial report for the period ended June 30, 2020 here. CFSIC was audited by an independent auditor chosen by CFSIC’s board of directors, and where that auditor reports directly to CFSIC’s board with its findings and conclusions. This auditor did in fact report to CFSIC’s board at the recent Annual Meeting of CFSIC. The audit is a qualified opinion. It is qualified because CFSIC books and carries recorded and identified claim liabilities well in excess of its current assets. This is a practice permitted by the Connecticut Insurance Department. With the exception of the qualified opinion for the reason noted above, the auditor’s opinion was clean in all other respects. No internal control deficiencies were noted. 120 randomly selected claims and disbursements were tested for adherence to written policies and procedures. Disbursements were checked and verified.

Transferring Your Claim















Question: Can I transfer my claim without selling my home?

Answer: No.




Answer: No.










Answer: Yes. We have already done so.







Question: Okay…what happens then?





Answer: A copy of the recorded deed.


Answer: You have to address that with CHFA.



The CHFA Credit Enhancements Program


CFSIC’s 2020 Annual Report

CFSIC’s Annual Report can be viewed here. 



Phone: 844-763-1207




– Email ESIS at:

– Email CFSIC at:


To apply for a Type 1 claim, go here.

To apply for a Type 2 claim, go here.

