Quick decisions by condition
Assumes the water source was clean and the loss was addressed promptly.
- IfDrywall is firm, readings are elevated but not saturatedThenOften dried in place, sometimes with small holes drilled at the base to vent the cavity.
- IfDrywall is soft, sagging or crumblingThenUsually cut out above the wet line.
- IfCarpet pad is wetThenUsually removed and replaced.
- IfCarpet is wet but intact and odor-freeThenMay be dried in place after extraction.
- IfInsulation in walls or ceilings is soakedThenUsually removed so the cavity can dry.
- IfCabinet bases are swollen particleboardThenUsually replaced; solid wood may be dried.
- IfWet materials may contain asbestos or leadThenTest before removing anything.
Material worksheet
| Material | Reading or condition | Dry or remove? | Reason given |
|---|---|---|---|
| Drywall | |||
| Plaster | |||
| Baseboard and trim | |||
| Carpet | |||
| Carpet pad | |||
| Hardwood | |||
| Cabinets | |||
| Insulation | |||
| Subfloor |
How to use the worksheet
Walk each wet room with the contractor and fill in a row for every material. Ask for the moisture reading or condition that led to their recommendation. If the answer is that it is always removed, ask why, since many materials can be dried when the water is clean and the response was fast.
Keep the completed worksheet with your claim records. If the adjuster questions a removal later, you will have the reading and reason recorded at the time.
Revisit the sheet as drying progresses. A material that seemed salvageable on the first day may still be wet on the fourth, and the plan may need to change. That is normal; what matters is that the change is based on readings.
Common questions
- Why would a contractor drill holes in a wall instead of removing it?
- Small holes near the bottom of a wall, often hidden behind baseboard, let dry air reach the inside of the cavity. When drywall is still sound, venting can dry it with far less demolition and patching. It does not work if insulation inside is soaked or the drywall has lost strength.
- My contractor wants to remove everything up to four feet. Is that normal?
- Flood cuts at a set height are common when water rose from the floor or was contaminated. After a clean supply line break, the cut is usually based on moisture readings rather than a fixed height. Ask what readings support the line they chose.
- Can cabinets be saved if the toe kick is wet?
- Sometimes. Removing the toe kick and drying the space underneath can save cabinets with sound bases. Particleboard that has swollen does not shrink back, so those boxes are often replaced. Solid wood and plywood cabinets have better odds.
- What about wet subfloor?
- Plywood and OSB subfloors can often be dried in place if they are not delaminating or soft. Readings from above and from below, if a basement ceiling is open, guide the decision.
General information for Denver, not a quote or professional advice. In an emergency, call 911.