Do I need an exterminator before the carpenter?expand_more
If there is active insect activity, yes. Treat first so the colony is not simply relocating into the new lumber. Then repair the wood and correct the moisture source. Doing it in the other order often means paying for the carpentry twice.
How can I tell dry rot from surface weathering?expand_more
Weathered wood is grey and hard; rotted wood is soft, crumbly, and often darker with a cubical cracking pattern. Push a screwdriver into it. If the tip goes in without much force, decay is present and paint will not stop it from spreading.
Are termites a concern in the Portland area?expand_more
Dampwood and subterranean termites do occur in western Oregon, though carpenter ants and decay fungi cause the majority of damage locally. An inspector can identify what you have from the galleries and frass. The repair approach is similar regardless of which organism did it.
Will my insurance cover this?expand_more
Usually not for gradual damage. Policies generally exclude rot, pests, and long-term seepage while covering sudden events like a burst pipe. It is still worth reporting a sudden water incident promptly, since the difference between sudden and gradual often decides the claim.
How do I keep it from happening again?expand_more
Keep gutters clear and downspouts discharging well away from the house, maintain a gap between siding and soil, seal cut ends of exterior trim, and keep the crawlspace vapor barrier intact. Annual inspection of decks and window sills catches problems while they are still cheap.