Different Types of Water Damage

The Different Types of Water Damage

Different Types of Water Damage
There are different types of flooding, and insurance companies determine which ones are covered and which ones are not. (Photo Credit)

For homeowners water damage can just simply mean indoor flooding. As long as there is standing water inside the home that has emantated from a source within the home, that automatically is considered water damage.

But water damage has its own classifications and types. There are different types of water damage, depending on the type of flood waters that has been inundating a home.

The Balance.com explains that there are three types of water damage commonly used by insurance companies.

“Some types of water damage are pretty straightforward. It’s helpful to be familiar with three of them. When you call to make a claim and to find out if you’re covered, the insurance company may use terms like: (1) Sewer backup or water backup; (2) Overflow and discharge; (3) Flood. The source of water damage is not always obvious, so the insurance company might throw some of these terms around when you call to ask if you’re covered. For example, many people use the term “flood” to explain any kind of water in their house, but ​a flood is very specifically defined when it comes to insurance. It helps to understand insurance jargon for different types of damage so you can understand if something might be covered or not.”

Check out the whole article here.

Insurance definition of types of water damage

For some insurance companies, types of water damage are defined using scenarios. Insure.com names about seven scenarios that have this. Super Dry San Diego Flood Restoration 24Hr Emergency Service Calls

“Scenario No. 3: Your washing machine overflows, flooding the basement. Are you covered? Yes. But it depends on your home insurance company’s view of the problem: Did you fail to maintain the washer properly or did sudden, accidental damage cause the flood? Usually, water from a broken appliance will be covered. Scenario No. 4: A sewer backs up, flooding your basement. Are you covered? No. Standard home insurance policies don’t cover sewer backups, and many specifically exclude damage from sewer back-ups. Special endorsements are available, at added cost, for sewers and drains.”

Read about the other scenarios here.

Water Damage Types

Stewart.com also encouraged hoemowners to widen their coverage for water damage occurences.

“Seepage and Leakage Water Coverage. Seepage and Leakage means continuous and repeated over time (check your policy for specific timelines). Sometimes known as “slow leak coverage,” this damage generally occurs within the plumbing system resulting in a slow leak from a pipe inside the wall, shower pan, A/C pan, or even a leak in the roof. These types of situations often go undetected until the damage is so extensive that it becomes apparent through a collapsed ceiling or a severely damaged wall.”

More on this here.

Water damage has different types and classifications, It will be best to ensure that a home is covered for all the possible scenarios to minimize damage.

Emergency Water Damage Removal Company

Important services that water damage repair companies should provide

When choosing for a water damage repair contractor in the San Diego area, it is important to take into consideration the array of services the water damage repair contractor offers. Some may offer standard water damage repair service offerings, and some endeavor to provide end to end services that could even include direct coordination with your insurance provider.

Emergency Water Damage Removal Company

Water damage repair San Diego area is relatively uncomplicated especially when the contractor that has been tapped can provide all the services that will be needed by the client.

Here are some of the critical services that any water damage repair company should provide:

  1. Thorough damage inspection and accurate assessment. It is imperative that a water damage restoration company be able to see what needs to be restored, what can and can no longer be salvaged, and how to restore those that could still be restored. Failure to identify all these will have an impact to the whole restoration process and its corresponding costs.
  2. Water Removal and Extraction. This is one of the most critical phases in the whole water damage restoration process. It is of course important that the company can undertake this procedure quickly and efficiently using their manpower’s expertise and their up-to-date and industrial-strength equipment.
  3. Drying and Dehumidification Services. This is one of the most important aspects in the whole water damage restoration service. Everything should be thoroughly dried starting from the structure itself to all the equipment, fixtures, and pieces of furniture and appliances that can still be restored or salvaged. If the client has to enlist the services of another company for the drying of furniture or appliances then that means the restoration company in question does not offer a full range of services. Same goes with the dehumidification process.
  4. Cleaning and Sanitizing. The company should also be able to undertake cleaning and sanitizing procedures because commissioning yet another contractor to do the same will be another step that could even make the whole restoration process a lot slower.
  5. Restoration. This is usually the final step in the whole water damage restoration service, and it is important that the contractor can fully restore the structure, the fixtures and everything that needs remediation.

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