The householders countered with their very own knowledgeable – a licensed engineer – who had personally inspected the property and reviewed pictures, stories, and different data. The engineer acknowledged the chance that the leak started unnoticed earlier than July 2019, however crucially, he argued that there was no clear proof of injury earlier than October 2018, when the coverage started. Particularly, he famous the absence of indicators usually related to long-term water intrusion: rotted wooden, swollen drywall, or widespread mildew progress.