David Kowalski is a Forensic Structural Engineer and Certified Home Inspector with 15 years of experience diagnosing building failures and maintenance risks. He holds a Master’s degree in Civil Engineering and regularly consults for insurance companies on the root causes of structural claims.
David bridges the gap between construction science and insurance eligibility, helping homeowners understand why a "sudden" pipe burst is covered while a "gradual" leak is not. His career began in disaster mitigation, assessing structural integrity after hurricanes and floods, which gave him a unique perspective on property vulnerability. He specializes in preventative maintenance that aligns with insurance requirements, teaching homeowners how to inspect roofs, foundations, and plumbing systems to prevent claim denials based on "wear and tear." David’s advice is highly technical yet accessible, focusing on the physical reality of the home—from sump pump battery backups to the chemistry of pipe corrosion. He writes to help owners "risk-engineer" their properties, turning them from liabilities into fortified assets. His detailed guides on winterization and water mitigation are considered essential reading for anyone living in extreme weather zones.