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Published: Jan. 28, 2021, 3:35 p.m.

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Multiple Construction Defects

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https://zalma.com/blog

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Stucco Defects

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Traditional stucco is sometimes referred to as \\u201ccement stucco\\u201d because it is a siding material that is made of cement, sand, lime, and water. The traditional cement stucco system is durable because it covers a structure with a layer of rock by using a fine grained concrete, attached to a structure using a waterproof barrier paper, galvanized wire mesh, and metal flashings. Cement stucco can achieve compressive strengths in excess of 3,000 pounds per square inch. Ladders, baseballs, and rocks will rarely dent it.

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Deterioration of stucco is often caused by insufficient finishes or materials (i.e., porous stucco materials in rain forest areas). When experts refer to defective stucco they are usually referring to exterior insulation and finishing systems (EIFS), a synthetic stucco product applied to the exterior sides of residential and commercial structures. EIFS consists of a cosmetic outer layer applied to a plastic coating (the finish), on top of a base coat affixed to a foam panel (the insulation). The entire system is applied directly to the structure\\u2019s frame.

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Air-Conditioning Defects

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Heating, air-conditioning, and ventilation (HVAC) and humidity-control systems must be installed properly to avoid water intrusion. The structure must allow for proper ventilation, including adequate crawl spaces, exhaust fans, and dehumidifiers. Air-conditioners must also be of sufficient size to perform well.

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Window, Wall, and Door Defects

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Defects in windows, walls or doors leave a home or structure particularly vulnerable to water intrusion, as these are integral to making the structure watertight. Leaking windows are a common defect and prevention requires good workmanship.

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Building Envelope Defects

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The building envelope works, much like human skin, to protect the interior from the exterior environment. Unfortunately, the envelope of a building does not have the self-healing and continuous regeneration characteristics of the human body, so any mechanical damage or deterioration due to normal wear and tear creates repair requirements. Repair is usually the responsibility of the owner of the structure or the owner\\u2019s appointed manager.

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\\xa9 2021 \\u2013 Barry Zalma

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Barry Zalma, Esq., CFE, now limits his practice to service as an insurance consultant specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders. He also serves as an arbitrator or mediator for insurance related disputes. He practiced law in California for more than 44 years as an insurance coverage and claims handling lawyer and more than 52 years in the insurance business. He is available at http://www.zalma.com and zalma@zalma.com.

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Mr. Zalma is the first recipient of the first annual Claims Magazine/ACE Legend Award.

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Over the last 53 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following library of books and other materials to make it possible for insurers and their claims staff to become insurance claims professionals.

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Go to the podcast Zalma On Insurance at https://anchor.fm/barry-zalma;  Follow Mr. Zalma on Twitter at https://twitter.com/bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/c/c-262921; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; Go to the Insurance Claims Library \\u2013 https://zalma.com/blog/insurance-claims-library/ Read posts from Barry Zalma at https://parler.com/profile/Zalma/posts; Go to the Insurance Claims Library \\u2013 https://zalma.com/blog/insurance-claims-library/

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