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Contents vs structure after water damage
Water does not respect the line between belongings and the building, but insurance often does.
Structural items include framing, walls, floors and built-in features. Contents include furniture, clothing, electronics and many personal items.
Different approaches
Some contents can be cleaned and saved; others are more practical to replace. Structural materials may be dried in place or removed based on readings and condition.
Understanding the difference can help you follow how mitigation and repair scopes are written.