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Head Grunt
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Well the well certainly needs to be capped correctly. The area needs to be ventilated to the outside. I would install a moisture barrier and stone. The three season porches i've done I insulate the bays, and also install 1/2' ply from below to keep critters out. In my own home I used 1" foam board underneath the whole thing, then the 1/2". Install subfloor, then flooring. I would make clear in writing that the possibility of the floor moving is high.
X2. I am dealing with a similar situation right now actually. Building sitting on piers next to a lake, had a skirting around it with no ventilation. New owner wants building made into a house so contractor goes in, installs new floor joists over the old floor, pads out the walls and insulates floors and walls, remodels the whole home with new windows, doors, drywall, v-joint pine, new wiring, new plumbing, has the kitchen flooring down and the rest of the home ready for carpets when the original floor joists underneath literally break and fall out from underneath. We are talking sections of joists 10'X10' and larger just giving way. The floors buckled and collapsed and then the contractor went underneath and began jacking here and there trying to stop it and actually made things worse. I am now in the process of jacking up sections of the home, tearing out the floors completely and building a new main beam, padding out the sills and installing new I-joists to carry the loads. When i am done the skirting is coming off and i am jacking up the whole building another 2' for more air flow and to help prevent future flooding.
 
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