That will likely cause more problems that it solves, FWIW.
The agents can’t really interpret this data, and they want to know if there’s a problem/defect/issue, or not.
I am sure ya’ll have seen this a 1000 times. Floor gets wet-sags-deterioration develops. Resulting in a handyman installing blocking under a toilet or fixture because the wood is not viable. Typically, we follow through with a moisture meter. This is a deficiency in my book all day.
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I can think of a dozen common reasons for this scenario!
Hire a REAL Plumber to get to the bottom of the problem(s)!!
(Who want’s to bet on a disconnected tub overflow)?
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I agree, Brian, and that is why a wider picture is valuable to determine the condition from pictures. Close-ups are not always a good determination.
However, considering the rusted nails and condition of the subfloor, I would say it needs replacement, and the root cause of the issue needs to be determined and repaired by a qualified contractor. Something has been leaking for a long period of time.
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I agree with others that if the sub-floor is “damaged” it should be replaced, but if it’s just stained and the wood is solid and still has structural integrity, then it shouldn’t require replacement.
From the pictures, it appears as though there are damaged materials that should be replaced.
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I asked another inspector who uses the same insurance I do and he said including the contractor guarantee and then still highlighting this as a prior leak on the 4pt should cover me since it will still be disclosed.
In the Florida 4pt there’s still a section to indicate a “prior leak” which this absolutely is. The four point is more for the insurance than the Agent. It helps them determine if the home is insurable and so I’ll still include this as evidence of a prior leak as well as the contractors details and guarantee. At that point insurance can then decide if they are willing to bind the policy while still having the full info.
I’m in Florida, FYI, I know all about the insurance forms.
When I said “agent” I was referring to “insurance agents”, who will read your form and see what looks like a leak, and what looks like a repair, and not know what you’re saying. They have zero technical knowledge or skills.
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