Local operator copy names the chain plainly: a pinhole pipe leak above the ceiling, an HVAC drip pan overflowing in the attic or closet, or a roof breach letting storm water in. The three look identical from the room below and are entirely different jobs: a plumbing repair, an HVAC drainage correction, or a roof repair, claimed under different parts of a policy or not at all. The cavity check, a small inspection opening or scope camera at the low point, reads which system is wet before any drying or demolition. Do not poke the sag to drain it and do not stand under it; water loaded drywall can come down as a sheet.
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