A building whose foundations have cracked or slipped may also need underpinning. Modern houses of brick, block or stone built on shallow footings often need underpinning to give them more weight and stability under the increased load created by modern insulation methods and central heating systems. If your existing floor is uneven (i.e. it has dropped) then underpinning may also be required. Underpinning a building is a major construction project. It could not be carried out without considering the costs and benefits for both you and your insurer. If underpinning is proposed, make sure that your insurer or structural engineer advises on whether it would be beneficial to you financially.