You can do without all the unnecessary criticism and lectures. If you can't give any useful advice, why even jump in with your opinion? Look, don't worry, if there aren't any critical changes right now, that's great, and you have time to do something about what you actually can, which is reinforcing the shoreline. I'd recommend contacting professionals right away, like https://shoreprotectteam.com/seawalls/. They work on waterfronts, dams, pontoons, and basically anything related to the shore and water. And not just on an industrial scale, but for private projects too. A reinforced shoreline, by the way, will prevent the house from settling.