A car hitting a building doesn’t just damage what you see — it changes how that part of the structure behaves. Here, the post has twisted, the brickwork has cracked, and the alignment of the corner has shifted. Even if the visible damage looks confined, the structural load path can still be affected. Insurers usually require a detailed engineering assessment to determine whether the damage is structural or cosmetic — and to make sure any reinstatement meets compliance and performance standards.
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A car hitting a building doesn’t just damage what you see — it changes how that part of the structure behaves. Here, the post has twisted, the brickwork has cracked, and the alignment of the corner has shifted. Even if the visible damage looks confined, the structural load path can still be affected. Insurers usually require a detailed engineering assessment to determine whether the damage is structural or cosmetic — and to make sure any reinstatement meets compliance and performance standards.
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