CADO Knowledge Base

KB

Identification of Water Damages in Adjusting Hurricane Claims for Water Losses Other Than Flood
CADO Admin
/ Categories: Hurricanes, Catnip, Hurricanes

Identification of Water Damages in Adjusting Hurricane Claims for Water Losses Other Than Flood

Source: North Carolina Department of Insurance

TO: All Interested Parties
FROM: North Carolina Department of Insurance
DATE: November 30, 2018
Re: Identification of Water Damages in Adjusting Hurricane Claims for Water Losses Other
Than Flood

The North Carolina Residential Codes from 1968 through 1997 required a vapor retarder (perm rating 1.0, Kraft paper) on the interior of walls. These Code editions also required 4-mil polyethylene on the interior of walls where either unfaced blanket insulation was installed or when the exterior sheathing had a permeance of less than 0.6. These code requirements were reduced for certain counties in 2002 and, again, in 2006. However, the same vapor retarder could be installed voluntarily in current construction.

For the exterior of walls, a weather-resistant barrier (sheathing paper, Tyvek) is currently required behind exterior siding or veneers. The weather-resistant materials resist moisture but
allow vapor to pass under normal conditions.

In adjusting hurricane damage claims for homes within the 1968-1997 applicable residential code period, it is important that the inside of the walls be checked more carefully than
newer construction to ensure that moisture hasn’t seeped into the walls that will eventually result in mold and interior wall rot. If adjusters do not look for moisture build-up trapped inside the wall, then this damage could be missed, causing mold and rot to proliferate and resulting in bigger problems for homeowners in the future.

To detect moisture behind the walls may require the use of specific equipment, such as a deep scan moisture meter or a FLIR heat image camera. Adjusters cannot simply rely upon a
visual inspection because evidence of the interior moisture damage may not be present on the walls for a long period after the claims have been settled and paid. It is imperative that adjusters be aware of this problem and follow inspection protocols to ensure that properties are thoroughly cleared.


Source: The above is from the North Carolina Department of Insurance notice a link to the actual notice is below. 

Photo from the CADO Gallery

Previous Article State Farm® to Conduct Drone Damage Assessment Flights Following Hurricane Michael
Next Article National Flood Insurance Program (NFIP) Claims Manual - Updated
Print
2268 Rate this article:
No rating

Please login or register to post comments.

KB Search

KB Latest Articles

14 August 2019

Lighthouse Claims Service - Career Page

About Lighthouse Claims Service "Lighthouse Claims Service is a full-service adjusting firm, fine-tuned to the needs of the individual client. Whether your company needs full Xactanalysis...
24 May 2019

Insurance Adjuster Act

California Senate Bill 240

SB 240, as amended, Dodd. Insurance Adjuster Act. Existing law creates the Department of Insurance, headed by the Insurance Commissioner, and prescribes the department’s powers and...
NCJUA/NCIUA Approved Catastrophe Adjusters 22 January 2019

NCJUA/NCIUA Approved Catastrophe Adjusters

Updated: 3/24/19

The North Carolina Joint Underwriting Association (NCJUA), also known as the FAIR (Fair Access to Insurance Requirements) Plan, is a tax exempt association of insurance companies licensed to...
National Flood Insurance Program (NFIP) Claims Manual - Updated 13 January 2019

National Flood Insurance Program (NFIP) Claims Manual - Updated

December 20, 2018 Revision

The Publication Date  of the most current manual is: December 20, 2018 The purpose of the NFIP Claims Manual is to improve clarity of claims guidance to WYOs, vendors, adjusters, and...
Identification of Water Damages in Adjusting Hurricane Claims for Water Losses Other Than Flood 11 December 2018

Identification of Water Damages in Adjusting Hurricane Claims for Water Losses Other Than Flood

Source: North Carolina Department of Insurance

.... In adjusting hurricane damage claims for homes within the 1968-1997 applicable residential code period, it is important that the inside of the walls be checked more carefully than newer...
18 October 2018

State Farm® to Conduct Drone Damage Assessment Flights Following Hurricane Michael

Source: State Farm 10-16 Press Release

It was less than one month ago when Hurricane Florence struck North and South Carolina. State Farm was the first and only insurance company to receive an FAA waiver allowing Claims pilots to...
26 August 2018

Hawaii Flood Policy Statistics as of 06/30/2018

Source: NFIP

 County Name   Policies In-Force  HAWAII COUNTY   ...
31 May 2018

OKLAHOMA DOI decides to police the entire country for license compliance

OKLAHOMA DOI decides to police the entire country for license compliance.  Upon my recent submission for license renewal as a Non-Resident, the DOI rep Nicki has decided to question my...
8 February 2018

Study: State insurance licensing reciprocity benefits everyone

Source: insurancebusinessmag.com

A new study has found that the current system of licensing regulations for independent claims adjusters is causing more harm than help for the industry. The study, entitled “Breaking Down...
6 November 2017

From fire to floods, recent natural disasters highlight the need for uniform claims adjustor licensing

Source: The Hill

"As the nation continues to recover from the damage caused by hurricanes, floods and fires from coast to coast, we are reminded yet again that unforeseen, life-changing disasters can strike at any...
«August 2019»
SunMonTueWedThuFriSat
28293031123
45678910
11121314151617
18192021222324
25262728293031
1234567