Something to Know About Water Damage
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Rollingwood Water Damage - PowerPoint PPT Presentation

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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.

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Something to Know About Water Damage

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


Some of the common water damage irritants in a home can be:

• 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.

Classes of Water Damage

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.