Non-structural damage includes damage to the improvement that does not adversely affect the livability, soundness, or structural integrity of your home, such as damage to windows, flooring, trim, etc. Examples of non-structural damage could include:
- Nonstructural damage to roof components over essential living spaces (e.g. shingles, roof covering, fascia board, soffit, flashing, and skylight)
- Nonstructural damage to the interior wall components, to include drywall and insulation
- nonstructural damage to exterior components such as siding
- Multiple small vertical cracks in the foundation
- Damage to chimney (i.e., tilting, falling, cracking, or separating from the residence)
- Damage to mechanical components (e.g. furnace, boiler, water heater, HVAC, etc.)
- Damage or disaster related contamination to a private well or septic system
- Waterline at 1 to 3 inches in an essential living space
Structural damage includes any damage that does adversely affect the livability, soundness, or structural integrity of your home, including the foundation, roof and load bearing walls. Structural damage could mean your home is in danger of collapse or failure. Examples of structural damage could include:
- Failure or partial failure to structural elements of the roof over essential living spaces to include rafters, ceiling joists, ridge boards, etc.
- Failure or partial failure to structural elements of the walls, to include framing, etc.
- Failure or partial failure to foundation, to include crumbing, bulging, collapsing, horizontal cracks of more than 2 inches, and shifting of the residence on the foundation of more than 6 inches.
- Waterline above 18 inches or above the electrical outlets in an essential living space