long story, but I ended up taking my home BACK from a guy who screwed me pretty good. He ALSO put this big addition on here, no permits etc.. AND I think the foundation is not deep enough. it is only 24 inches BELOW grade. It does have cinder blocks on it then so the wood walls are sitting on 34 inches I guess but not below grade. This is a TWO story, I am in North indiana.. thanks in advance. I will be dealing with the local guys soon but want some education first. dan
You block foundation walls are probably much stringer than the wood above, no matter how badly they may be built.
If you are not below the frost line and want to avoid any heaving problems, take a look at the concept of "shallow frost insulating" or some thing like that in the 2006 IRC. It involves using rigid insualtion vertically and horizontally below grade to protect shallow footings. I am sorry I do not have a code handy, but htere is a concept that could help you avoid heaving and underpinning.