Material Salvageability Metrics Determine the 80% Reconstruction Threshold in Homeowners Insurance Claims
\n The 80% rule in homeowners insurance sets a minimum replacement-cost threshold based on documented salvageability metrics of water-damaged materials. When water damage affects a home, insurers measure material-property data—moisture thresholds in drywall, wood framing, and cellulose components—to grade what can be salvaged versus replaced. If salvageable portions fall below 80% of reconstruction cost, the claim triggers full replacement coverage; above 80%, you may face p