Product Code Database
Water damage describes various possible losses caused by water intruding where it will enable attack of a material or system by destructive processes such as Decomposition of wood, mold growth, bacteria growth, of steel, swelling of composite woods, damage to laminated materials like plywood, short-circuiting of electrical devices, etc.
The damage may be very slow and minor such as water spots that could eventually mar a surface, or it may be instantaneous and catastrophic such as burst pipes and flooding. However fast it occurs, water damage is a major contributor to loss of property.
An insurance policy may or may not cover the costs associated with water damage and the process of water damage restoration. While a common cause of residential water damage is often the failure of a sump pump, many homeowner's insurance policies do not cover the associated costs without an addendum which adds to the monthly premium of the policy. Often the verbiage of this addendum is similar to "Sewer and Drain Coverage".
In the United States, those individuals who are affected by wide-scale flooding may have the ability to apply for government and FEMA grants through the Individual Assistance program. On a larger level, businesses, cities, and communities can apply to the FEMA Public Assistance program for funds to assist after a large flood. For example, the city of Fond du Lac Wisconsin received $1.2 million FEMA grant after flooding in June 2008. The program allows the city to purchase the water damaged properties, demolish the structures, and turn the former land into public green space.
As far as insurance coverage is concerned, damage caused by surface water intrusion to the dwelling is considered flood damage and is normally excluded from coverage under traditional homeowners' insurance. Surface water is water that enters the dwelling from the surface of the ground because of inundation or insufficient drainage and causes loss to the dwelling. Coverage for surface water intrusion to the dwelling would usually require a separate flood insurance policy.
Category 1 Water - Refers to a source of water that does not pose a substantial threat to humans. Examples are broken water supply lines, tub or sink overflows or appliance malfunctions that involve 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. This type carries 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 is grossly unsanitary. This water contains unsanitary agents, harmful bacteria and fungi, causing severe discomfort or sickness. This category includes water sources from sewage, seawater, rising water from rivers or streams, storm surge, ground surface water or standing water.
Categories of water damage can deteriorate based on environmental conditions, including time and temperature. (e.g., Category 1 water can deteriorate to Category 2 water)
Class of water damage is determined by the potential rate of evaporation based on the type of materials affected by water. For example, carpet pad that is saturated will have a greater potential evaporation rate due to its porosity that a hard wood floor that is saturated with water.
Determing the class of a water loss will help determine how much drying equipment such as air movers and dehumidifiers are required to efficiently dry the structural components.
Class 1 — (least amount of water absorption and evaporation load): Water intrusion where wet, porous materials (e.g., carpet, gypsum board, fiber-fill insulation, concrete masonry unit (CMU), textiles) represent less than ~5% of the combined floor, wall and ceiling surface area in the space; and where materials described as low evaporation materials or assemblies have absorbed minimal moisture (see definitions for Class 4 and low evaporation assemblies).
Class 2 — (significant amount of water absorption and evaporation load): water intrusion where wet, porous materials (e.g., carpet, gypsum board, fiber-fill insulation, concrete masonry unit (CMU), textiles) represent ~5% to ~40% of the combined floor, wall and ceiling surface area in the space; and where materials described as low evaporation materials or assemblies have absorbed minimal moisture (see definitions for Class 4 and low evaporation assemblies).
Class 3 — (greatest amount of water absorption and evaporation load): water intrusion where wet, porous materials (e.g., carpet, gypsum board, fiber-fill insulation, concrete masonry unit (CMU), textiles) represent more than ~40% of the combined floor, wall and ceiling surface area in the space; and where materials described as low evaporation materials or assemblies have absorbed minimal moisture (see definitions for Class 4 and low evaporation assemblies).
Class 4 — (deeply held or bound water): water intrusion that involves a significant amount of water absorption into low evaporation materials (e.g., plaster, wood, concrete, masonry) or low evaporation assemblies (e.g., multilayer wallboard, multilayer subfloors, gym floors, or other complex, built-up assemblies). Drying may require special methods, longer drying times, or substantial water vapor pressure differentials.
These measures can cut water damage incidents by up to 30 percent in proactive households and may qualify homeowners for insurance premium credits under emerging resilience incentive programs.
Homeowners insurance coverage differs by policy type. A standard HO-3 policy generally covers sudden internal water damage (e.g., burst pipes) but excludes flood losses, which require a separate NFIP or private flood policy. NFIP building and contents coverages carry separate deductibles, often in the $1,000-$1,500 range, and have specific waiting periods before claims can be made. Policyholders with replacement cost coverage receive full new-for-old compensation (minus deductible), whereas actual cash value policies only reimburse depreciated value of damaged items.
When filing a claim, insurers recommend: stop the water source and document damage with photos and moisture readings; report the loss promptly via the insurer’s 24/7 claims line; save all repair and lodging receipts; and use professional drying logs to substantiate remediation work for the adjuster.
The IICRC Water Restoration Certification (WRT) teaches students the industry standard, technical drying concepts, categories and classes of water damage, equipment use, and moisture identification. After students complete and IICRC course, they can become certified after passing an exam. The IICRC does not operate or hold classes, reather, they have IICRC approved schools who teach certification classes. After completing the course and passing the exam, the IICRC issues students a certification.
When consumers or businesses hire water restoration companies, they should ensure they are a reputable company by checking reviews, verifying any applicable contractors licenses, IICRC certifications, if they are an IICRC Certified Firm, and appropriate business insurance.
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