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Water intrusion
What is water damage?
Water damage is described as direct physical damage from water. It is the majority of claims reported by homeowners and it can come in many different forms.
How can water damage your home?
Water can cause damage by rotting, molding, rusting, or delaminating building materials and furniture. The damage may be slow and minor such as water spots that eventually grow, or it may even be instant and catastrophic such as flooding.
Where can the water come from?
Water can come from many different sources in the home like the dishwasher, refrigerators, washing machine, water heaters, faucets, toilets, and under sinks. Once the water has leaked it is then categorized by the source and by the rate of evaporation on the material it affected.
Washing machines can leak suddenly causing water damage to the surrounding area.
Water Categories
Category 1 Water
Refers to a source of water that does not pose substantial threat to humans and classified as "clean water". Examples are broken water supply lines, tub or sink overflows or appliance malfunctions that involves water supply lines.
Category 2 Water
Refers to a source of water that contains a significant degree of chemical, biological, or physical contaminants and causes discomfort or sickness when consumed or even exposed to. Known as "grey water". This type carries microorganisms and nutrients of micro-organisms. Examples are toilet bowls with urine (no feces), sump pump failures, seepage due to hydrostatic failure and water discharge from dishwashers or washing machines.
Category 3 Water
Known as "black water" and is grossly unsanitary. This water contains unsanitary agents, harmful bacteria, and fungi, causing severe discomfort or sickness. Type 3 category are contaminated water sources that affect the indoor environment. This category includes water sources from sewage, seawater, rising water from rivers or streams, ground surface water or standing water. Category 2 Water or Grey Water that is not promptly removed from the structure and or have remained stagnant may be re classified as Category 3 Water. Toilet back flows that originates from beyond the toilet trap is considered black water contamination regardless of visible content or c
