The Value of Wood Decay Analysis in Water Losses

Defining whether a water loss is from a single intrusion event or is from chronic moisture is a key element in a building investigation. EFI Global frequently uses wood decay testing to assist insurance assessment investigations in residential and commercial structures. Wood decay information can scientifically define relative times during which water exposure occurred. This allows the investigator and claims adjuster to understand whether a water loss occurred from a recent single event or is a result of a chronic water intrusion. 

Evidence for dating a water intrusion event can include observations such as rust on metal (nails), the presence of fungal reproductive structures, the lack of moisture on the substrate, mold on mold growth, mold caused by condensation on the underside of sheathing of an un-insulated roof in the cold season, and condensation related mold on air conditioning ducts in humid locations in the cooling season. Although they may be useful clues in determining water intrusion, these observations are less conclusive than wood decay evaluation.