Water damage is one of the most common and costly types of damage to occur. Water can easily infiltrate wall and ceiling cavities, mechanical chases, flooring systems, etc. If water damage isn’t handled quickly and correctly, it can cause greater damage in the long run like mold, bacteria, fungus, and dry rot. Additionally, some types of water can contain dangerous pathogens, which pose serious health risks to you and others. It is very common for any building materials (plaster, drywall, insulation, cabinets, trim, flooring, and mechanical) that come in contact with contaminated water to be permanently removed for safety purposes. To help you avoid wasting time and money, Fortitude Public Adjusters can properly investigate and analyze the damage, and then help you get to the point of having a dry, sanitary property!
Residential water damage claims can be a very technical and involved process. Insurance companies and their recommended contractors often times don’t understand the full extent of damage that water can do to a property. It is common for them to also overlook the risks associated with contaminated water to minimize the costs of your insurance claim. This is a conflict of interest for you, the property owner. Fortitude Public Adjusters is your industry expert in assessing the full extent and costs associated with all types of water damage. We understand the value and importance of your home or business. Our goal is to expedite the claim process, recover the most money for your loss, and get your home or business operational as fast as possible. We take the stress out of the claim process and provide you with a complete, detailed report.
Causes of water damage:
Bursting or leaking pipes
Issues with the plumbing system of a property
Buildup in areas prone to collecting water, such as crawl spaces, attics, and basements
Faulty or malfunctioning household appliances
HVAC (Heating, ventilating and air conditioning units) issues
Natural disasters and other weather-related water problems
Categories of Water Damage:
Category 1 Water – That which is clean at the releasing source and does not pose a hazard if consumed by humans. Category 1 water may become progressively contaminated as it mixes with soils on or within floor coverings or building assemblies (walls, decking, subflooring). Time and temperature, which promote the growth and amplification of microorganisms in water can cause Category 1 water to degrade. Examples: burst water pipes, failed supply lines on appliances, vertically falling rainwater.
Category 2 Water – That which begins with some degree of contamination and could cause sickness or discomfort if consumed by humans. As with Category 1 water, time and temperature can cause Category 2 water to become progressively more contaminated.
Category 3 Water – That which is highly contaminated and could cause death or serious illness if consumed by humans. Examples: sewage, rising flood water from rivers and streams, ground surface water flowing horizontally into homes. There are two ways in which water enters a building as a result of windstorm damage: