What is criteria to declare a damaged home a total loss?

A home is typically declared a total loss when the cost of repairs exceeds a certain percentage of its insured value, often around 70-80%. Additionally, significant structural damage, such as to the foundation or roof, or the home being deemed uninhabitable due to safety concerns can contribute to this designation. Insurance adjusters evaluate the extent of damage, repair costs, and overall condition to make this determination. Local building codes and regulations may also influence the decision.