Starting Jan. 1, and continuing for the next decade, a $12 surcharge will be added to homeowners insurance policies in Connecticut, with the money going into a special fund to help homeowners dealing with crumbling concrete foundations. The state has estimated as many as 34,000 homes in eastern and north central Connecticut could be affected by failing foundations, which were traced back to the presence of the mineral pyrrhotite in stone from a quarry in Willington that was used to build many homes in the area. The average repair cost is about $185,000.