Responsibility of Water Damage Insurance Coverage











Major Topics of this Article Include

  • Water damage insurance company general responsibilities

  • Standard coverage for water damage

Water Damage and Flooding

When it comes to understanding your homeowner’s insurance policy, the level of detail and education provided by insurance companies can vary depending on jurisdiction and regulations. However, there are some general principles and practices that can help homeowners navigate their policies effectively. In this blog post, we will explore these principles and provide guidance on how to better understand your homeowner’s insurance policy.

Disclosure Requirements:

In most jurisdictions, insurance companies are required to provide policyholders with a copy of their policy. This document should include all the necessary information, such as terms, conditions, coverages, and exclusions. It serves as the foundation for understanding the policy’s scope.

Duty to Inform:

Insurance agents and brokers may have a duty to inform policyholders about the basic features of the policy. While this duty may not extend to a comprehensive education on every detail, agents should provide clear explanations and guidance to help policyholders grasp the policy’s main elements.

Good Faith:

Insurance companies are generally obligated to operate in good faith. If a policyholder seeks clarification or asks questions, the insurer should respond honestly and provide clear answers. This open communication fosters trust and ensures policyholders have a better understanding of their coverage.

Summary or Declarations Page:

Many insurers provide a summary or declarations page, which offers an overview of the policy’s main features. While it may not contain every detail, this page provides a concise summary that is easier to comprehend than the full policy document. It serves as a useful reference point for policyholders.

Consumer Protection Laws:

Some jurisdictions have specific consumer protection laws that place additional obligations on insurers to ensure policyholders understand their policies. These laws may require insurers to take extra steps to educate policyholders or provide additional information about the policy’s terms and conditions.

Availability for Questions:

While not always legally required, insurance agents are typically available to answer questions and clarify any aspects of the policy. Policyholders should feel comfortable reaching out to their agents for guidance and assistance in understanding their coverage.

Taking Responsibility for Understanding Your Policy:

While insurance companies have certain obligations, it is essential for homeowners to take an active role in understanding their policies. Here are some steps you can take:

– Read the Policy: Carefully review the policy document provided by your insurance company. Pay attention to terms, conditions, coverages, and exclusions related to water damage or any other relevant issues.

– Ask Questions: Do not hesitate to ask your insurance agent for clarification on any aspect of the policy that is unclear to you. Agents are there to help you understand your coverage and address any concerns.

– Seek Expert Advice: If needed, consult an independent insurance expert or attorney who specializes in insurance policies. They can provide additional insights and guidance based on their expertise.

– Stay Updated: Insurance regulations can change, and they may vary from one jurisdiction to another. Stay informed about the latest local regulations or seek legal advice when necessary to ensure you have the most up-to-date information.

What Is Standard Coverage for Water Damage Insurance?


Water damage can be a homeowner’s worst nightmare, leading to costly repairs and potential loss of belongings. To protect yourself from such financial burdens, it’s crucial to have adequate insurance coverage for water damage. In this blog post, we’ll explore what is typically included in standard coverage for water damage insurance. Please note that insurance policies may vary, so it’s essential to review your specific policy for accurate details.

Covered Perils

Standard water damage insurance policies often cover the following perils:

– Accidental Overflow of Water from Plumbing Systems: This includes situations where a pipe bursts or there is an accidental discharge of water from plumbing fixtures.

– Sudden or Accidental Discharge of Water or Steam from Plumbing, Heating, or Air Conditioning Systems: Coverage is provided for sudden and unintentional water or steam discharges from these systems.

– Water Damage Caused by Fire Suppression Efforts: If water damage occurs as a result of efforts to extinguish a fire in your home, it is typically covered.

– Water Damage Caused by Burst Pipes: Damage resulting from pipes bursting due to freezing or other unforeseen circumstances is generally covered.

– Water Damage Caused by Roof Leaks: Standard coverage often includes damage resulting from roof leaks, excluding wear and tear or lack of maintenance-related issues.


While water damage insurance provides essential coverage, there are certain exclusions that are typically not covered under standard policies:

– Flood or Surface Water Damage: Damage caused by flooding or surface water, such as heavy rain or rising rivers, is typically not covered. Separate flood insurance is required for this type of coverage.

– Neglect, Lack of Maintenance, or Intentional Acts: Damages resulting from neglecting necessary repairs or intentionally causing water damage are generally excluded.

– Sewer or Drain Backup: Coverage for damage caused by sewer or drain backup is typically not included, unless specifically endorsed in the policy.

– Gradual Water Seepage, Condensation, or Humidity: Damage resulting from long-term seepage, condensation, or high humidity levels is often not covered.

– Underground Water Sources or External Water: Water damage caused by underground water sources or water from external sources like water main breaks is typically excluded.

Claims Process

In the event of water damage, it’s crucial to follow the claims process outlined in your specific policy. Generally, the following steps are involved:

– Notify your insurance company as soon as possible to initiate the claims process.

– Take immediate action to mitigate further damage, such as stopping the water source or hiring professional water damage restoration services.

– Document the damage by taking photographs or videos and keep records of related expenses.

– Complete the necessary claim forms and provide all required documentation to support your claim.

– Cooperate fully with the insurance company during the investigation and assessment of the claim.

Choose Metrix Over The Matter

Understanding what is typically covered under standard water damage insurance is essential for homeowners. While coverage may vary depending on the insurance provider and policy, being aware of common inclusions and exclusions can help you make informed decisions about your insurance needs. Remember to review your specific policy carefully, consult with an insurance professional, and consider additional coverage options if needed.










Simplify the Claims Process with Inventory Checklist Templates


When it comes to water damage, being prepared can make a significant difference in navigating the claims process smoothly. One essential tool for homeowners and business owners is an inventory checklist, which helps document their possessions. To assist you in this important task, Metrix Restoration is pleased to provide downloadable and printable home inventory checklist templates. By utilizing these templates, you can create a detailed inventory of your belongings, ensuring a seamless claims experience in case of water damage.

 1. Importance of an Inventory Checklist

In the aftermath of water damage, it can be challenging to remember every item that was affected. An inventory checklist serves as a valuable resource to:

– Document Your Belongings: An inventory checklist helps you record each item you own, including its description, value, and other relevant details.

– Facilitate Claims Process: Having a comprehensive inventory allows you to provide accurate information to your insurance company during the claims process. It helps substantiate your loss and streamline the assessment of your claim.

– Determine Insurance Coverage: By creating an inventory, you can evaluate your existing insurance coverage and identify any gaps or areas where additional coverage may be necessary.

– Ease Stress and Expedite Recovery: Dealing with water damage can be stressful, but having an inventory checklist helps you focus on the recovery process, knowing that your possessions are documented.

2. Tips for Completing the Inventory Checklist:

To maximize the effectiveness of your inventory checklist, consider the following tips:

– Be Thorough: Take the time to document all your possessions, including furniture, electronics, appliances, jewelry, artwork, and other valuable items.

– Include Key Details: Provide a detailed description of each item, including make, model, serial numbers, purchase dates, and any relevant receipts or appraisals.

– Take Photographs or Videos: Supplement your written inventory with visual evidence. Capture clear photographs or videos of each item, highlighting any distinguishing features.

– Organize by Room or Category: Structure your inventory checklist by room or category, making it easier to locate items during the claims process.

– Store Copies Securely: Keep physical copies of your inventory checklist in a safe place, such as a fireproof box or a secure digital storage solution. Consider storing a copy off-site or in the cloud for added security.

Choose Metrix Over The Matter

Creating a comprehensive inventory of your possessions is a proactive step that can significantly aid in the claims process after water damage. Metrix Restoration understands the importance of being prepared, which is why we offer printable and downloadable inventory checklist templates. By utilizing these templates and following the provided tips, you can streamline the claims process, ensuring a smoother recovery. Remember to regularly update your inventory as you acquire new items or make significant changes to your belongings. Stay prepared, stay informed, and let Metrix Restoration be your trusted partner in water damage restoration.

Links to Related Articles and Information

Why your water damage claims adjuster should be IICRC certified

Understanding the Water Damage Mitigation Claims Appeal Process

Pros and Cons of Using an Insurance Preferred Vendor for Water Damage Mitigation

What to do if you are assigned an inexperienced water damage mitigation adjuster

The importance of IICRC certification for adjusters

Understanding Your Homeowner’s Insurance Policy: A Guide to Water Damage Coverage

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Understanding Your Homeowner’s Insurance Policy

Understanding Your Homeowner’s Insurance Policy











Major Topics of this Article Include

  • Water damage insurance company general responsibilities

  • General Education for Homeowners about water mitigation insurance

Keys to understanding your homeowners water damage policy:

Educating oneself about the specifics of a homeowner’s insurance policy is crucial for understanding what is covered in case of water damage and how to successfully navigate the claims process. By taking the time to familiarize yourself with your policy, you can be better prepared to handle any water-related incidents that may occur.

  • In this blog post, we will provide you with steps to help you educate yourself about your homeowner’s insurance policy and ensure you have adequate coverage for water damage.

Read the Policy Carefully:

Start by reading through your insurance policy document thoroughly. Focus on the sections that deal with water damage and understand what types of water damage are covered and what are not. This will give you a clear understanding of your policy’s limitations and exclusions.

Understand the Terminology:

Insurance policies often contain jargon that can be confusing. Make a list of terms you do not understand and research them or ask your insurance agent for clarification. Understanding the terminology will help you interpret the policy language accurately.

Contact Your Insurance Agent:

Schedule a meeting or a call with your insurance agent to discuss your policy. Ask specific questions about water damage coverage and find out how claims regarding water damage are handled. Your agent can provide valuable insights and clarify any ambiguities in your policy.

Know the Different Types of Water Damage:

Not all water damage is treated equally by insurance policies. For example, damage due to flooding may not be covered under a standard homeowner’s insurance policy, while sudden incidents like burst pipes might be covered. Understand the distinctions and ensure you have appropriate coverage for potential water damage scenarios.

Understand Your Responsibilities:

Familiarize yourself with the steps you need to take in the event of water damage. This may include mitigating further damage, documenting the damage, and notifying the insurance company within a certain time frame. Being aware of your responsibilities will help streamline the claims process.

Keep an Inventory of Your Possessions:

Maintain an updated inventory of your possessions, especially valuable items. Keep receipts, and take photographs or videos of your belongings. This documentation will serve as crucial evidence if you need to file a claim. Use printable or downloadable home inventory checklist templates to help you organize the information.

Research Additional Coverage Options:

If your policy doesn’t cover certain types of water damage, such as floods, research additional coverage options. Consider purchasing additional policies like flood insurance to ensure comprehensive protection. Provide a link to resources or articles specifically related to flood insurance to guide readers in obtaining the necessary coverage.

Seek Professional Advice:

Consult with an independent insurance professional or attorney who specializes in insurance claims if you have complex questions or concerns about your policy. Their expertise can help you better understand your coverage and rights as a homeowner.

Participate in Community Workshops or Webinars:

Check for local government or community organizations that offer workshops or webinars on insurance literacy. Participating in these events can provide you with valuable insights and knowledge about insurance coverage and claims processes.

Use Online Resources:

Take advantage of online resources provided by reputable organizations such as the National Association of Insurance Commissioners (NAIC) or the Insurance Information Institute (III). These websites offer valuable information on insurance coverage, claim processes, and frequently asked questions.

Document Communication:

Keep detailed records of all communication with your insurance company, including dates, times, and a summary of the conversations. This documentation will be helpful if any disputes or discrepancies arise during the claims process.

Choose Metrix over the Matter

By taking the time to educate yourself about your homeowner’s insurance policy and water damage coverage, you can ensure you have the necessary protection and understanding in case of water-related incidents. Remember to regularly review and update your policy as needed to reflect any changes in your circumstances or coverage requirements. Being proactive in understanding your policy before any issues arise will provide you with peace of mind and financial security in the face of water damage challenges.

Understanding Your Homeowner’s Insurance Policy for Water Damage

A Guide for Homeowners:

As a homeowner, it’s crucial to understand your insurance policy, especially when it comes to water damage. Water-related incidents can cause significant financial and emotional stress, but having a clear understanding of your homeowner’s insurance policy can help you navigate the situation effectively. In this blog post, we will explore why understanding your policy is essential and how it can benefit you in the event of water damage.

Knowing What’s Covered:

Every homeowner’s insurance policy is unique, and understanding what types of water damage are covered is crucial. Burst pipes may be covered, but flood damage typically requires separate flood insurance. Knowing what your policy covers helps set expectations and ensures you’re prepared for any financial obligations that may arise.

Quick and Effective Response:

When water damage occurs, time is of the essence. Understanding your policy enables you to respond effectively. You’ll know which steps to take, whom to contact, and how to document the damage properly for a claim. This knowledge empowers you to act swiftly and minimize further damage.

Mitigating Further Damage:

Many insurance policies require homeowners to take immediate action to prevent additional damage. By knowing your obligations, you can ensure that you’re not denied a claim due to negligence. Understanding preventive measures, such as shutting off the water source or contacting water damage mitigation professionals, helps protect your property and your claim.

Navigating the Claims Process:

Filing an insurance claim can be a complex process, but understanding your policy details makes it easier. Familiarize yourself with deductibles, policy limits, and the claims process itself. This knowledge allows you to compile the necessary documentation and communicate effectively with the insurance company, increasing the likelihood of a successful claim.

Avoiding Financial Surprises:

Understanding your policy helps you avoid unexpected out-of-pocket expenses. Be aware of any deductibles or limits on coverage. By knowing what to expect, you can plan your finances accordingly and avoid unwelcome surprises during an already challenging time.

Negotiating Settlements:

In some cases, the initial settlement offer from the insurance company may not be satisfactory. With a thorough understanding of your policy, you’ll be in a stronger position to negotiate a fair settlement. Being knowledgeable about your coverage and rights can make a significant difference in the outcome of the claim.

Legal Compliance:

Certain insurance policies come with legal obligations that homeowners must adhere to. Understanding these obligations helps ensure compliance, preventing potential legal issues. Stay informed about any legal requirements specific to your policy to avoid complications down the line.

Peace of Mind:

Knowing the ins and outs of your insurance policy provides peace of mind. When faced with water damage, having a clear understanding of your coverage and the steps to take reduces stress and anxiety. You can approach the situation with confidence, knowing that you are equipped to handle it effectively.

Educated Decisions:

Understanding your current policy allows you to make informed decisions about additional coverage. For example, if your policy doesn’t cover flood damage, you may choose to purchase separate flood insurance to fully protect your property. Knowing your options helps you make educated decisions about your insurance needs.

 The Power to Change the Matter is in the Metrix

Taking the time to understand your homeowner’s insurance policy is crucial for every homeowner. By knowing what’s covered, responding quickly, mitigating further damage, navigating the claims process, avoiding financial surprises, negotiating settlements, complying with legal obligations, and gaining peace of mind, you can effectively handle water damage incidents. Don’t wait for a disaster to strike—educate yourself about your policy today and be prepared for any water-related challenges that may arise.

Remember, Metrix Restoration is here to assist you with water damage mitigation, restoration, and navigating the insurance claims process. Stay informed, protect your home, and be proactive in safeguarding your property from water damage.

Links to Related Articles and Information

Why your water damage claims adjuster should be IICRC certified

Understanding the Water Damage Mitigation Claims Appeal Process

Pros and Cons of Using an Insurance Preferred Vendor for Water Damage Mitigation

What to do if you are assigned an inexperienced water damage mitigation adjuster

The importance of IICRC certification for adjusters

Responsibility of Water Damage Insurance Companies: Water Damage and Flooding

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What to Do In Case Of Water Damage

What to Do In Case Of Water Damage











Major Topics of this Article Include

  • What to do in case of a water damage

  • Water damage mitigation rapid response 

  • Water damage insurance coverage

  • Common water damage plumbing issues

Your Guide to Swift Action and Insurance Coverage


Discovering water damage in your home or office can be a distressing experience. Acting quickly is crucial to minimize the damage and get your property back to its pre-damaged state. In this blog post, we will:

  • Guide you through the steps to take when faced with water damage
  • Highlight the benefits of contacting a water damage mitigation company like Metrix Restoration, as they can help you navigate the insurance process and ensure that plumbing-related expenses are covered

Turn Off the Water:

The first step is to locate the main water shut-off valve and turn off the water supply to your home. This will help prevent further flooding and water damage.

Turn Off Electricity in the Affected Area:

If water has reached electrical outlets or appliances, turn off the electricity at the circuit breaker to eliminate the risk of electrical hazards.

Contact a Water Damage Restoration Specialist:

In cases of extensive water damage, it is always advisable to seek the assistance of a professional water damage restoration company. These specialists have the expertise and equipment to effectively dry out the space, prevent mold growth, and restore your property to its pre-damaged condition.

Mitigation Companies Will Document Any Water Damage:

Before starting the cleanup process, all areas effect by water damage should be documented by your mitigaiton company. Insurance adjustors prefer organized documents so they can make accurate assesments for claims coverage payouts. Examples include:

  • detailed photos
  • videos
  • moisture records

This evidence will be invaluable when filing an insurance claim.

Contact Your Insurance Company:

Immediately report the incident to your homeowner’s insurance company. Provide them with a clear account of what has occurred and inquire about the necessary steps for initiating the claims process. Your water damage mitigation provider should be able to assist with this process.

Water Removal:

All standing water is removed from the affected areas using special extraction equipment. Swift action can help prevent further damage and minimize the risk of mold growth.

Contact a Plumber:

It’s crucial to contact a professional plumber whenever there is a water loss. They will assess and repair the plumbing issue, preventing future incidents. Additionally, the plumbers report is necessary for the mitigaiton insurance claim. Ask your mitigation professional for plumbing referrals.

Move Furniture and Belongings:

To protect your furniture and belongings, relocate them to dry areas away from the water-damaged sections. This proactive step will prevent additional harm and facilitate the drying process.

Demo, Clean and Sanitize:

Once the water is removed and the non-salvagable material is removed, thoroughly clean and sanitize the affected surfaces. This will help prevent mold and mildew growth, ensuring a safe and healthy environment.

Dry the Area:

Promote air circulation by using fans and dehumidifiers to dry out the affected space.  Your water damage company will also handle this step.

Keep Records and Receipts:

Maintain detailed records and receipts of all expenses related to the water damage, including cleaning and repair costs. This documentation will support your insurance claim and ensure accurate reimbursement.

Follow Up with Insurance:

Submit all necessary documents to your insurance company promptly. Stay in contact with them throughout the claims process and clarify any policy-related queries. Advocate for yourself to ensure that you receive the coverage you are entitled to.

Choose Metrix over the Matter Because the Power to Change the Matter is in the Metrix.

Water damage can be a challenging experience, but taking immediate action is key to mitigating its impact. By following the steps outlined above, you can minimize further damage and ensure a smoother insurance claim process.

Remember, for comprehensive assistance and expert guidance, Metrix Restoration is available to help you navigate the challenges of water damage restoration and maximize your insurance coverage.

Common Plumbing Issues That Can Lead to Water Damage

Know the Risks and Take Preventative Measures

Plumbing issues can cause significant water damage to homes, leading to costly repairs and disruptions. It’s crucial to be aware of the most prevalent plumbing problems that can result in water damage. By understanding these issues, homeowners can take proactive measures to prevent water-related incidents and protect their properties.

  • In this blog post, we will explore some of the common plumbing problems that can lead to water damage and provide preventive tips to safeguard your home.

Burst Pipes:

One of the most alarming plumbing issues is a burst pipe. Pipes can burst due to freezing temperatures, corrosion, or high water pressure. When a pipe bursts, it can release a large amount of water in a short period, causing extensive damage to walls, ceilings, and floors. To prevent this, it’s important to insulate exposed pipes in colder climates and address any signs of corrosion or plumbing system malfunctions promptly.

Leaky Pipes:

Small leaks in pipes can often go unnoticed for an extended period, resulting in gradual water damage. These leaks may occur due to aging pipes, pipe joint failures, or damage caused by external factors. Over time, the continuous leakage can lead to mold growth, structural damage, and increased water bills. Regularly inspecting pipes, especially in areas prone to moisture, and promptly fixing any leaks can help prevent long-term damage.

Failed Water Heater:

Water heaters play a vital role in providing hot water for various household needs. However, they can fail and leak, leading to significant water damage, especially if the water heater is located inside the home. Factors such as age, corrosion, or a faulty pressure relief valve can contribute to water heater failures. Regular maintenance, such as flushing the tank and inspecting for any signs of deterioration, can help prevent unexpected leaks and damage.

Washing Machine Hose Failures:

The hoses connected to washing machines are susceptible to wear and tear over time, particularly if they are rubber. Brittle hoses can develop cracks or even burst, resulting in sudden flooding in laundry rooms and adjacent areas. To prevent this, consider replacing rubber hoses with stainless steel braided hoses, which are more durable and less prone to failure. Regularly inspect and replace hoses if necessary.

Clogged Drains:

Clogged drains are a common plumbing issue that can cause water to back up and overflow. Whether it’s a sink, shower, or toilet drain, blockages can occur due to a buildup of debris, grease, or foreign objects. Regularly clean and maintain drains by using drain covers, avoiding the disposal of non-flushable items, and using drain cleaners as needed. Promptly addressing drain clogs can prevent water damage and plumbing system backups.

Sewage Backups:

Sewage backups are not only unpleasant but can also result in severe water damage. Clogs in the main sewer line or issues with municipal sewer systems can cause wastewater to flow back into homes. To prevent sewage backups, avoid flushing non-biodegradable items down the toilet, and consider installing backwater valves or check valves in the main sewer line. Regular inspections and maintenance of your sewer system are essential preventive measures.

Dishwasher Leaks:

Dishwashers can develop leaks over time, often due to a faulty door seal or a clogged drain. Since dishwashers are commonly integrated into cabinetry, a leak can lead to damage in floors, walls, and cabinets. Regularly inspect the dishwasher for any signs of leaks or water accumulation. Replace worn-out seals and clean the drain regularly to prevent potential leaks and water damage.

Overflowing Toilets:

An overflowing toilet can quickly cause flooding in bathrooms and adjacent rooms. Clogs in the toilet or sewer line are often responsible for this issue. Regularly maintain toilets by using appropriate amounts of toilet paper and avoiding the disposal of non-flushable items. Addressing clogs promptly can help prevent toilet overflows and water damage.

Leaky Roof Flashing around Plumbing Vents:

Sometimes, water damage can occur not from the plumbing itself, but from the seal around pipes that exit through the roof. Improperly sealed roof flashing can allow rainwater to enter the walls or ceilings, causing water damage. Regular roof inspections and maintenance, including checking the integrity of flashing around plumbing vents, can help prevent such leaks.

Sump Pump Failure:

For homes with basements, sump pumps are crucial for preventing flooding during heavy rainfall or high water table levels. However, sump pump failures can result in significant basement flooding and potential damage to the foundation. Regularly test and maintain your sump pump, ensuring it is in proper working condition. Consider installing a battery backup system to protect against power outages.

Broken or Leaky Supply Lines:

Supply lines that deliver water to faucets, toilets, and appliances can become damaged or disconnected, leading to leaks or flooding. Regularly inspect these supply lines for signs of wear, such as cracks, bulges, or loose connections. Replace any damaged or aging supply lines promptly to prevent leaks and water damage.

Choose Metrix over the Matter Because the Power to Change the Matter is in the Metrix.

Preventive maintenance and regular inspections of your plumbing system are essential for avoiding common plumbing issues that can result in water damage. By familiarizing yourself with these potential risks and taking proactive measures, you can protect your home from extensive water damage, costly repairs, and disruptions. Remember, if you do encounter water damage, Metrix Restoration is here to help you mitigate the effects and restore your property to its pre-damaged state.

Links to Related Articles and Information

Why your water damage claims adjuster should be IICRC certified

Understanding the Water Damage Mitigation Claims Appeal Process

Pros and Cons of Using an Insurance Preferred Vendor for Water Damage Mitigation

What to do if you are assigned an inexperienced water damage mitigation adjuster

The importance of IICRC certification for adjusters

Understanding Your Homeowner’s Insurance Policy: A Guide to Water Damage Coverage

Responsibility of Water Damage Insurance Companies: Water Damage and Flooding

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Water Damage Restoration: What to do if your adjustor disagrees with your contractor?

Water Damage Restoration: What to do if your adjustor disagrees with your contractor?

Water Damage Restoration: What to do if your adjustor disagrees with your contractor?

This article is about the confusion an uncertified water damage insurance adjustor can create. I received the request for water removal from a customer who lives in a condo on the second level. Her neighbor above had something leak, we don’t know what it is, whether it was a busted pipe or leaky toilet. All we know is that the water leaked from the third level of the condo, down into the second unit of my customer’s house, through her floor, and through the ceiling down to the first unit.

Unfortunately, my customer was assigned an adjustor who was not IICRC certified and had no related industry certifications. I go onsite to conduct my initial investigation with the customer.  From first glance, the water damage did not appear to be so extensive.  However, after checking the moisture content levels of the ceiling, to discover they were completely saturated.  Additionally, carpet and pad were saturated.  The bathroom didn’t appear to be as bad as it was, however, the customer was able to take video of the water loss occurring.  If I had not seen the video, I may not have discovered the additional water damage.

There was water pouring down the ceiling, through her overhead fan, through the lighting fixture, right down onto her bed and onto the floor.  Water was splattering and caused water damage to her wooden nightstands and dressers.  Water was falling through the air duct in the bathroom, directly over her vanity.  I told the customer that according to the ICRC S500, we will remove the drywall and we will also take up the carpet and the pad because I saw how much water fell from the ceiling.

There was a question as to whether there could be water trapped under the tile of her bathroom floor.  Ordinarily I would think she would be safe from having this happen, because tile has one of the highest water resistance levels of different building materials.  When I saw the video, I realized there was a good chance water could have become trapped under the tile in the bathroom for two reasons. One:  just how much water fell and the accompanying pressure causing water damage.  Two: there were breaks in the seals around the toilet and the tub, so water may have got trapped under the tile from one of those breaks in the seal.

Insurance Accepted, financing Available

Residential Water Damage Restoration is 60% Personal and 40% Business

Knowing that the customer works from home, I asked what would be a good time for us to start?  We decided that doing the water damage over the weekend would be better for her because she’s not working. I agreed and figured that this would be something her adjuster could definitely understand, we could definitely justify beginning on the weekend. However, this adjuster was perhaps one of the worst adjusters that my customer could have been assigned.

The adjustor claims to have had 10 years of experience.  When I got on the phone with her, to explain the water damage from having been onsite, but this adjustor had the audacity to believe they knew what needed to happen better than me even, though I’m an ICRC certified master water damage restoration professional.  I had also been on site to conduct psychrometric analysis and this adjuster saw some pictures.  She wanted the customer to believe that I didn’t know what I was talking about and that she did.  I asked the adjuster what if any IICRC certifications do you have?  Their respond was: “you know what,I’m not getting into a conversation about certifications”.  That was the red flag to me know this adjuster had no IICRC water damage restoration certifications, because if she did, she would one agree with me and she would say that she had certifications.

Cat 3 Water Damage Restoration

Our biggest discrepancy was how we should categorize this project.  I said we should categorize this project as a CAT3 water damage restoration, and she adamantly objected.  They believed the water damage should be done as a Cat 2 water loss.  Even if we assume that upstairs was perfectly clean, in order to error on the side of caution, I didn’t think that it would be wise to assume that everything upstairs on the third level was completely in order.  In order for me to agree with the adjuster, that would mean I have to assume everything upstairs was in pristine clean condition, but:

  • We don’t know if this person upstairs had pets,

  • We don’t know what the condition of the floor or the carpet was,

  • We don’t know what the overall condition of the unit upstairs was.

I didn’t think it was wise or in the customer’s best interest to classify this water damage as a Cat 2, besides the ICRC S500 water damage standard states that even if the water came from a clean source, when the water hit the ground, the category increases because it is presumed that the water is not carrying additional contaminates.  This is standard practice for all water damage restoration professionals, we never do a project as a Category 1 water damage. All water damage is either a Cat 2 or a CAT 3 water damage, because even if the water started off clean, when the water touches the floor it becomes Cat 2.

Here’s another red flag that let me know that this this adjuster really didn’t have the experience they claimed.  When water falls from one level to the next, for example, through a ceiling or through a floor, down to the next to the room underneath, the water automatically changes categories. Therefore even if the water came from a clean source, when the water when hit the floor of the third level unit, it became CAT2 water, when that water fell through the floor and through the ceiling of my customer’s house, that water became CAT3 water damage.

Water Damage Restoration: Professional 2nd Opinion

The water damage mitigation adjuster didn’t agree, but I knew I was right.  After the conversation I was so appalled, and I wanted to report her.  I wanted to speak with her supervisor. I just felt like it was very irresponsible to even have an adjuster in this position who obviously didn’t have the right training and did not know what she was talking about.  I advised the customer to get a second opinion.  Flood Metrix would pay to get a second opinion as long as the company is IICRC certified and are direct to customer water damage contractors.  If they agree with the adjuster, then you hired them but if they agree with Flood Metrix we will pay the fee, to have them write up their remediation protocol and then this way we have will have two different opinions from two different IICRC certified water damage restoration companies each recommending the same course of action.  Then it would be difficult for the adjuster to justify ignoring the recommendations of certified of two separate certified IICRC certified water damage restoration companies as for the proper course of action for this loss.

During a water damage restoration, customers are already stressed out.  Insurance companies know that most water damage policyholders are not reading their insurance policies and the last thing a customer wants to do is be stressed out by their insurance company when it’s time for them to use it.  Some insurance companies use this against their customers.  They don’t care about their policyholders, they don’t even care about the IICRC standard.  They just want to have something done and pressure the policyholder into doing something or what they say should happen, even though they’re not the ones who are professionally qualified to make the call.  It’s an egregious act and misuse of authority.  This adjuster put their policy holder in even more duress until she didn’t know what to do.

Water Damage Restoration IICRC S500

There’s another detail in the IICRC S500 water damage standard which states: the longer a project sits, the longer and more likely it is to become a Cat 3 water loss.  Previously, after 72 hours, a water damage automatically became Cat 3, but the new standard reads that it’s not automatically Cat 3 if the water damage professional on site doesn’t recognize any signs of mold growth.  He could then treat the loss as a Cat 2 water damage. Basically, by the time the homeowner would be able to get a second opinion the 72-hour water damage time frame would have lapsed.

This adjuster from All State was the worst adjuster this customer could have been assigned.  It was clear they had no water damage restoration experience.  As an adjuster, she was very unprofessional and took everything personally, which was not good for the client.  When clients understands that the adjuster is saying one thing and the contractor is saying another, they ultimately feel like they are forced to go with their adjuster, when that’s not true.  It’s not the case and customers just don’t understand what their rights are, especially when they have a water damage, because they just want to get the water damage taken care of.  They just don’t have the attention to put towards really finding out what the insurance company is obligated to do, because they’re in so much fear of the water damage not being covered.  

My recommendation to all homeowners before you have a water damage, or during the water damage is to read your policy.  Read your homeowners’ insurance policy and understand what is covered and what is not covered for a water damage.  When is mold covered, when is it not covered, so that you can know your rights.  Homeowners should know what the full scope of their benefits are to prevent being taken advantage of by an adjuster who’s just all about the money.  There is no way this adjuster could convince me that she wanted to advocate for this customer or that she was really on the customer side. Everything that she did was for the insurance company.  No recommendation she made was really to benefit the customer, it was really to shortchange the customer take advantage of her position.  Dealing with this adjustor and the inconvenience they caused prompted me to write this blog, because homeowners need to know what to do during the water damage, especially when you have an adjuster who is just not cooperative.

Water Damage Restoration Common Hazards 2023

Water Damage Restoration Common Hazards 2023

Water Damage Restoration Hazard And Risk Assessments

The first line of defense in helping to prevent injury, unnecessary damage, and health risks inherent to a water damage mitigation project is safety/hazards awareness.  A hazardous inspection checks for any work site situation that potentially poses danger to life or property. Water damage restoration professionals must then perform a risk assessment on all potential hazards found on the mitigation work site.  The assessment evaluates the risk or likelihood a particular hazard will cause harm.  Due to the unsafe nature of most water damaged dwellings, hazard inspections and risk assessments are essential for protecting workers.

The initial hazard inspection of a water damage restoration project involves three important aspects.  The first step is to identify hazards that could give reason not to enter the building, such as wet electrical panels and collapsing ceilings.  The second step is to identify the presence of regulated building materials such as asbestos, lead, or PCB’s (polychlorinated biphenyls).  Government-regulated substances required testing or inspection services from specialized third-party experts to assess health and safety issues. Finally, competent water damage mitigation contractor conducts a risk assessment and implements the necessary hazard controls for any identified hazards.

Water Removal Mitigation Hazard Controls

Hazard controls are implemented to protect against injury or other safety incidents.  Within the water damage mitigation industry, controls are organized into a hierarchy.  Those controls considered to be more effective at protecting workers and occupants are categorized higher on the list.  For example, the most effective control measures either eliminate the hazard or substitute a safer situation for mitigation to proceed.  Where water damage restoration hazards cannot be eliminated or replaced, industry mitigation safety plans implement controls lower in the hierarchy:

  • Engineering Controls- These are water damage restoration safety controls which are designed to deal with hazards before mitigation professionals encounter the hazard. These controls isolate workers from an identified danger.

  • Administrative Controls- These water damage mitigation controls are lower in the hierarchy and occur between the source of the hazard and mitigation professional. They include “safer work practices”.

  • Personal Protective Equipment- Water damage restoration Personal protective equipment (PPE) consists of controls placed on the mitigation professional. PPE is the lowest form of hazard control because protective equipment devices do nothing to eliminate the hazard directly.







Water Damage Restoration PPE

Water damage restoration professionals cannot always eliminate every health and safety concern on a water damage project, so PPE is a necessary part of the safety program. Selecting a proper level of protection is important when considering PPE for a water damage mitigation project.  One step of the initial risk assessment is to closely evaluate the potential risks and determine which type of PPE is most appropriate. To help protect water damage mitigation technicians from the many hazards associated with contaminated water losses, restorers need to have ready access to several safety items.  These items protect from all potential exposures to the body and include:

  • Chemical-Resistant Gloves

  • Goggles

  • Respirator

  • Hard Hat

  • Rubber Boots

  • Protective Suit

Masters Of Mitigation

Water Damage Restoration Safety “Immunizations”

The great majority of water damage restoration projects involve direct contact with a range of infectious organisms.  As a minimum medical requirement, mitigation professionals performing water damage restoration services need medical consultation with a Primary Health Care Physician for appropriate immunizations.  Immunizations required may vary depending on the scope of work, previous immunization history, previous exposure and current availability of treatments.

mold remediation

Water Removal Safety Standards And Organizations

Water damage restoration professionals must be familiar with all applicable safety standards and laws which affect their business.  This list below includes some of relevant organizations and standards water damage mitigation professionals need to be familiar with.

1 OSHA (Occupational Safety and Health Administration

a. 29 CFR 1910

b. 29 CFR 1926

2 ANSI (American National Standards Institute)

a. ANSI Z117.1-1989

3 EPA (Environmental Protection Agency)

a. FIFRA- Federal Insecticide, Fungicide and Rodenticide Act

4 IICRC (Institute of Inspection, Cleaning, and Restoration Certification

a. S500- Standard and Reference Guide for Professional Water Damage Restoration

b. S520- Standard and Reference Guide for Professional Mold Remediation

This list should be evaluated for its application through varying state, provincial and other government laws and regulations.  It is also necessary to check with each of these sources frequently in order to stay current with changes to standards, codes and regulations.









Water Damage Restoration Federal Regulations

Two codes are particularly relative to the work done by water damage restoration contractors. These documents can be assessed online. In order to ensure compliance water damage mitigation contractors must thoroughly read and understand these two CFR’s:

29 CFR 1910- General Industry Standards

29 CFR 1926- Construction Industry Standards

  • Increasing air flow across wet surfaces.

  • Controlling temperature of air and surfaces.

  • Using outside air when possible.

  • Creating a drying chamber.

  • Decreasing humidity in the affected area.

Items covered significant to water damage mitigation include:

  • OSHA General Duty Clause

  • Emergency Action and Fire Prevention Plans

  • Personal Protective Equipment

  • Respiratory Protection Plans

  • Asbestos and Lead

  • Heat Conditions

  • Confined Spaces

  • Hazard Plans

  • Fall Protection

  • Noise Exposure Limits

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Water Damage Restoration And Documentation

Several areas of health and safety require documentation during a water mitigation project.  For example, employers who assign mitigation technicians to use respiratory protection are required to have a written respiratory protection plan.  Likewise, whenever hazardous chemicals are present on a water mitigation work site, employers must document their company’s HAZCOM program.

Water Removal And Bloodborne Pathogens

Workers in many different occupations are at risk of exposure to bloodborne pathogens.  First aid team members, housekeeping personnel in some settings, water damage restoration contractors and nurses are examples of workers who are at risk of exposure.  In 1991, OSHA issued the Bloodborne Pathogens Standard to protect workers from this risk.

Bloodborne pathogens are microorganisms present in the blood which can cause disease in humans.  Water damage mitigation contractors could possibly come into contact with bloodborne pathogens during day-to-day mitigation activities, primarily through the remediation of sewer backups.

Water damage restoration professionals need to understand the seriousness of these pathogens, know what PPE to dawn, and what procedures and standards must be followed.  When documented, this information becomes the employer’s bloodborne pathogens plan for their business.  Just as important as developing the plan is implementing the plan, which includes training for workers on the protocols and procedures to be used.

 If you or anybody you know needs water damage restoration, Choose Metrix over the matter, because the Power to Change the Matter is in the Metrix.

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