(1) Except as permitted in Sentence (2), the bearing surface of a foundation shall be below the level of potential damage, including damage resulting from frost action, and the foundation shall be designed to prevent damage resulting from adfreezing and frost jacking.
(2) The bearing surface of a foundation need not be below the level of potential damage from frost where the foundation,
(a) is designed against frost action, or
(b) overlies material not susceptible to frost action.