it is right in front of the door and the back door is the same way. the insurance guy said its wind driven rain into the threshold area, he said they see it all the time. the decking is rotton underneath this crisp vynal, any pressure after awhile its gotta crack somtime. This is supposed to be new vynal put in a 2011 home...I found out last tuesday my home is a 2006. Chip board or what ever you call it..its code.. will noy rot so completely in just a few months, unless completely submerged, if anything it would be maybe damp and swollen. just my opinion
also, that is a concrete wall under the studs...I dont know how far you could dig? if the engineer doesnt come up with a way to access that...i dont know ..i need all the info i can get..maybe a question for an attorney???