Makes sense, since the evidence is humidity or moisture is what reacts with the drywall, but at some point whatever the flawed content is in the drywall would be exhausted and stop reacting.  

However, the list is not exhaustive and may not be current and may not cover the entire Lehigh Valley territory. 

The Hubzu experience can be exhausting and frustrating everything takes more time than necessary.  

Our only clue that it might be a bathroom was the exhaust fan in the ceiling. 

(If I had to do this again, I'd start looking for caregivers at nursing schools.)Ultimately, the timing "worked out" and, while exhausting to manage, we didn't have to sell the house.

Then, when you find new deals, use the heloc for downpayments until you've exhausted all of the heloc. 

Many of the supplies and materials they bought at a high price point should be exhausted by then.

This was not meant to be an exhaustive list.

Until that is done, you should look for another Insurance Carrier that will write your home and extend Liability to that location or get a sepparate Liability policy to cover your wife's interest in the property.Once you have determined there is underlying coverage for the Liability on the vacation home, the question of the umbrella Liability (comes into play once the underlying Liability is exhausted).