Water damage is a type of loss caused by water intrusion, which can lead to the destruction of materials or systems through processes such as wood rot, mold growth, bacteria growth, oxidation of steel, swelling of composite woods, delamination of materials like plywood, etc. Damage insurance is a form of protection offered in most homeowners insurance policies against sudden and accidental damage. However, it does not cover damage resulting from the landlord's negligence or failure to maintain the home in good condition. Flooding usually requires a separate policy if available.Water is one of the most common causes of damage that can occur in a commercial or residential building.
According to the ISO (Office of Insurance Services), water damage claims are the second most common insurance claim after wind and hail damage. To identify water damage, you should look for discolored paint stains or obvious stains on walls and ceilings. You can also check surrounding rooms or the ceilings of rooms below the affected area for signs of water damage.Water damage is divided into two categories: Category 1 and Category 2.Category 1 damage includes water from broken pipes and supply lines, as well as from bathtubs and sinks that have overflowed. On the other hand, Category 2 damage includes water that has been contaminated by sewage or other hazardous materials.
Flooding usually affects two or more properties, while water damage usually occurs on a single property.It's important to note that flood insurance doesn't cover water damage, and homeowner's insurance doesn't cover flood damage. As the iron absorbs more water, the wall itself will deform, which can cause very serious structural damage to your home. Jenkins Restorations uses an antimicrobial spray and HEPA aspirate to disinfect affected materials after Category 2 water damage incidents.Although the general root of the two problems is similar, water and flood damage are not the same thing. Trying to treat water damage yourself can lead to more structural damage, increased business downtime, and even serious health problems.
Regardless of its extent, water loss can cause serious damage to your home and is likely to be a threat to your health. Mold develops in dark, damp locations, which means water damage is a breeding ground for all types of mold.Even if you have a maintenance team on call to deal with water damage, it's essential to get professional help to avoid any major damage. Water damage can often lead to deformation of walls, as gypsum board behind walls can be incredibly absorbent.