It matters as a file fact, and a good assessor will ask about it for two reasons. First, materials that took water in 2012 and were dried and closed without full documentation can carry a growth history that a new event reactivates, and the plan should read those assemblies accordingly. Second, coverage and disclosure in this market both run on history: a documented flood past shapes what a new claim can say and what a sale must disclose. None of that makes an old flood a life sentence for a house. It makes the moisture map and the verification documents more valuable, because they are how an old chapter is closed in writing.
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