If you have gutters you may want to check to see if the gutters are backing up into the facia or overhang area. If you do not have gutters it could be that it pondef up there and seeped in underneath the poured wall. Also is somebody suggested make sure the sidewalk and lanais are sloped away from the house. My suggestion is to not contact your insurance because it's going to be under your 2% hurricane deductible since you just found it. 2% of your house value is a lot of money and I'm sure that Repair will not cost you that much money. You do not want to report it if you do not get any claim done against your home. It will give you a black mark on your insurance record!
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