[mnehring]

...as the caulk job showed we will accept some damage..

I'll let insurance adjusters weigh in but I believe you have the right to conduct emergency repairs to prevent further damage, and that is NOT a waiver of liability. In this case, caulking that could be said to prevent further water damage until a proper repair could be completed.

[PA Engineer]

I'll let insurance adjusters weigh in but I believe you have the right to conduct emergency repairs to prevent further damage, and that is NOT a waiver of liability. In this case, caulking that could be said to prevent further water damage until a proper repair could be completed.

My homeowners specifically covers this. Caulking (tarps, plywood, etc.) would be considered necessary to prevent further damage until a proper repair can be made. These items are also considered necessary expenses against the deductible.

[mplsconservative]

Thanks. At the time it was a place in the siding where I felt boxelder bugs and ladybugs were getting their way into the basement. It was a two year old home at the time. That was the only breach I could see.