[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]

I have to look at my policy time-line wise. The tiny damage that was caulked was a long time ago.

We didn’t feel like paying a thousand dollar deductible when our builder guys discovered the ding. The fact that it will negate a reside seems very shady.