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:
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.