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Water damage describes various possible losses caused by water intruding where it will enable attack of a material or system by destructive processes such as rotting of wood, mold growth, bacteria growth, rusting of steel, swelling of composite woods, de-laminating of materials such as plywood, short-circuiting of electrical devices, etc.
The estimation of diminution in value from a damage history, one must value the property assuming a credible repair and compare that with an estimate of value of the property in the same condition as after the repair, but under the hypothetical condition that it not have any damage history. Such estimates are considered very difficult to prove ...
To get a rough estimate of how much homeowners insurance you may need, you might consider the square footage of your home, any upgraded or specialty construction elements, and the monetary value ...
This is in part due to the difficulty of measuring the financial damage in areas that lack insurance. For example, the 2004 Indian Ocean earthquake and tsunami , with a death toll of around 230,000 people, cost a 'mere' $15 billion, [ 1 ] whereas in the Deepwater Horizon oil spill , in which 11 people died, the damage was six times higher.
The area should be surveyed for odors indicating mold or bacterial growth, moisture sources, such as stagnant water or leaking pipes, and water-damaged building materials. [15] This can include moving furniture , lifting (or removing) carpets, checking behind wallpaper or paneling, checking ventilation ductwork and exposing wall cavities.
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