How do I know if it's rot or insects?expand_more
Rot leaves wood soft, crumbly, and often darkened, sometimes with visible fungal growth. Insects leave galleries, clean tunnels, or frass. In Portland the honest answer is usually both — the moisture came first and the insects followed. A pest inspection identifies which, and it's cheap relative to the repair.
Do I need pest control before repairs start?expand_more
If there's an active colony, yes. Rebuilding around live carpenter ants just relocates them into new lumber. Most repair contractors will ask for the pest report before scheduling, and coordinating the two is normal here.
Will homeowners insurance pay for this?expand_more
Usually not. Standard policies generally exclude pest damage and gradual moisture deterioration, though a sudden burst pipe is a different matter. Read the policy before you assume, and document everything with photos either way.
How do I stop it happening again?expand_more
Keep siding and wood trim clear of soil, run downspouts well away from the foundation, maintain a crawlspace vapour barrier and airflow, clean gutters twice a year, and vent bath fans outside. Those five habits prevent most of the rot repairs performed in this city.