CADO Admin / Tuesday, December 11, 2018 / 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 Tags: Hurricanes DOI North Carolina Water Damage More links December 4, 2018 - Identification of Water Damages in Adjusting Hurricane Claims for Water Losses Other Than FloodSource of the above Related articles ATLANTIC BASIN SEASONAL HURRICANE FORECAST FOR 2016 Extended Range Forecast Of Atlantic Seasonal Hurricane Activity And Landfall Strike Probability For 2017 Canadian Hurricane Centre Expedited Claim Handling Billing Grace Period Procedures for California Wildfires California Insurance Commissioner issues emergency declaration to help fire survivors across the state Colorado State's Updated 2019 Hurricane Forecast NOAA's Updated 2019 Hurricane Forecast 2018 Atlantic Hurricane Season November Wildfires: Notice of Shortage of Accommodations for Survivors Please login or register to post comments.