Mold remediation is a process that involves a lot of work and exploration. This usually occurs in houses, buildings and structures that have had a spot of seepage or flooding in the past. Flooding is always a problem because of the dirt and mud that comes with it from the outside.
Water damage is one of the major causes of damage and loss of property. The
term 'water damage' broadly describes a wide range of probable losses caused by
the presence of water in a material or system where it can contribute to
destructive processes like de-lamination and rotting of wood and wooden
components, rusting of steel and other material etc.
Water causes damage by minor but steady degradation such as water spots or
seepage that can mar surfaces or by catastrophic situations such as breaches and
• Bad weather
• Broken pipes or hoses from home appliances or drainage
• Clogged toilets
• Cracks in the foundation
• Leaking roofs
• Moisture trapped in between wall surfaces
• Plumbing leaks
As far as insurance coverage is concerned, most damage caused by bad weather is
considered flood damage and normally is not covered under homeowners
insurance. Coverage for bad weather would usually require flood insurance.
Categories of Water Damage
• Category 1 involves "clean water" or a source or leak that does not pose any
safety or health hazard to human - e.g. home appliance malfunctions, broken
water lines, tub overflows etc.
• Category 2 involves "grey water" or a source of water that carries harmful
biological contaminants like bacteria or chemical components like effluents etc -
e.g. unclean or clogged toilet water closets, seepage from septic tanks etc.
• Category 3 involves "black water" and is the most dangerous of all because of
its highly unsanitary nature. This results from water sources affecting home and
indoor environments - e.g. sewage backflow, contaminated standing or ground
surface water, overflowing water from rivers or breached lakes, seawater etc.
Category 3 also includes 'grey water' that is not immediately sucked out or
removed from the sources of the leak.
This is determined by the 'probable evaporation rate' based on the affected
surface and the material. As a first step to ascertain restoration, the class of
damage has to be ascertained.
1. Class 1 - 'slow rate of evaporation' - when material absorb minimum amounts
of moisture and only a small area is affected.
2. Class 2 - 'fast rate of evaporation' - when water has affected the indoor area of
a home - e.g. floor flooding drenching carpets, cushions etc.
3. Class 3 - 'fastest rate of evaporation' - when water drips or falls from above
affecting ceiling, carpet, cushions, home insulation, walls etc.
4. Class 4 - Specialty Drying Situations - when drying surfaces like concrete floors,
hardwood floors, plastering etc. with specific low humidity to accomplish drying.
Insurance From Water Damage
In the case of homes, many home insurance policies do not provide coverage for
water damage and water damage restoration. Usually this is an addendum
incorporated in the policy incurring extra premium payout.
Where individuals and businesses are affected by flooding, the Individual
Assistance Program allows them the option to apply for FEMA grants and
government loans. On a still larger scale of utter destruction of life and property
by flooding, the FEMA Public Assistance Program provides funding assistance.