How Do Historic Preservation Rules Affect Restoration of Old Homes?

When water damages an old home, the repair process can be more complex. You might need to replace damaged plaster with lime-based materials instead of drywall. Wood flooring, trim, and windows may need to be repaired rather than replaced to match the original style.

The pros who handle water damage can work within these limits. They often use drying equipment that saves original materials whenever possible. This approach helps preserve the historic character while still dealing with the moisture problem effectively.

• Check with your local historic board before starting repairs
• Ask about approved materials for plaster, wood, and paint
• Document all damage with photos for your records
• Keep samples of original materials if you need to match them
• Plan for longer timelines due to approval processes

Your insurance policy might cover water damage repairs, but historic restoration can be more expensive. Replacement costs for custom materials can be higher than standard building supplies. Keep records of any approvals and receipts for all work done.

Policies vary, and your insurer decides what is covered. Some policies may include coverage for building code upgrades or historic materials. Review your policy carefully and ask your insurance company about any specific provisions for older homes.

• Review your policy for coverage of custom materials
• Keep all repair receipts and approval letters
• Ask your insurer about replacement cost vs. actual cash value
• Document the home's historic status with your claim
• Contact your local historic office for a list of approved contractors