The Dangers Of A Category 3 Water Loss

The Dangers Of A Category 3 Water Loss
February 20, 2017
Express Dry
April 15, 2017

The Dangers Of A Category 3 Water Loss

 

 

Category 3 water is classified Category 3 because it is grossly contaminated with pollutants including fungi and bacteria. Universal exclusions in property and liability insurance policies for losses related to fungi/bacteria automatically apply to Category 3 water losses because of the bacteria and/or fungi in the water. Insurance coverage gaps for losses associated with Category 3 water can be filled using the same risk management tools and environmental insurance products created for fungus/mold risks in 2003.

 

Examples include, but are not limited to: sewage, toilet backflows that originate from beyond the toilet trap regardless of visible content or color, all forms of flooding from seawater, ground surface water and rising water from rivers or streams, and other contaminated water entering or affecting the indoor environment such as wind-driven rain from hurricanes, tropical storms, or other weather-related events.

 

The differences in category 1,2 and 3:

  • Category 1 water—Originates from a sanitary source and does not pose a risk from dermal, ingestion or inhalation exposure. The cleanliness of Category 1 water can deteriorate to Category 2 or 3 due to … contact with building materials, soil etc.

 

  • Category 2 water—Contains significant contamination and has the potential to cause discomfort or sickness if contacted or consumed by humans.

 

 

  • Category 3 water—Is grossly contaminated and can contain pathogenic, toxigenic, or other harmful agents. Examples can include but are not limited to sewage, toilet backflows that originate from beyond the toilet trap regardless of the visible content or color; all forms of flooding from seawater; ground surface water and rising water from rivers or streams; and other contaminated water entering or affecting the indoor environment such as wind driven rain from hurricanes, tropical storms or other weather related events. Such water may carry silt, organic matter, pesticides, heavy metals, regulated materials, or toxic organic substances.

 

There are loop holes in insurance policies or certain steps that need to be made on the policy holder’s behalf to get this kind of extreme loss covered. This is the main reason it is best to call a water mitigation company like Express-Dry restoration immediately to take a look at what is going on with you water loss. The field technicians should be able to help you prevent further damages and go through the necessary steps to make sure you are safe and your home is salvaged and the loss will be covered.

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