Hello, I hope someone can advise me. A builder called at my house as I need a concrete ramp built for the front porch. Whilst here, hd said there were cracks in my walls and the bricks were lose above all the window frames. He was right,they were. He looked at all the ground floor windows , 7 in all and discovered that not one of the windows had a lintel fitted. He said I must now have lintels put in for each window and the bricks reset . I dont know much about building, but I am frightened about the cost. Is this really necessary? All the houses in the road are the same. No one else seems concerned. Also, will my home insurance pay if I must have the work done? Thank you so much in advance.