What Kind of Water Remediation is Not Covered by Insurance?

Water damage happens at the most inopportune times. For example, pipes leak, water heaters break, or dishwasher overflow – these unfortunate events can leave significant damage and devastation behind.

It’s important to know what kind of water remediation you need and who is responsible for the cost. This information will help you navigate your insurance claims and get your home back up and running.

Category 1 Water

What kind of water remediation Chicago North Shore is not covered by insurance?

You might not realize that the water damage of category 1 is clean, but it can quickly deteriorate to category 2 or 3. Therefore, acting swiftly and having the problem taken care of as soon as possible is essential.

It’s also important to note that the water source can be clean, but the affected materials it migrated through may be compromised and contain mold, bacteria, or other contaminants. This means that the water remediation process is much more complex and requires specialized equipment and techniques to be completed successfully.

There are three different categories of water damage based on the level of contamination, and each one has a different impact on your home or business. Knowing the difference between these three can help you avoid putting yourself and your property at risk, and it can give you the peace of mind to know that your home or business is in good hands with a professional restoration team.

Category 2 Water

Water is a common problem that can cause severe property damage. It can quickly become a serious issue for your home or business, flooding, pipe leaks, broken appliances, or a sewer backup.

When you need help dealing with a plumbing mishap, water damage cleanup, or other types of water issues in your home or business, call the experts at Restoration 1 Chicago North Shore. Our team can advise you and ensure your property is restored to its pre-loss condition.

We’ll start by determining the extent of your water damage and determine which type of water damage repair is right for your home or business. Our water remediation Chicago North Shore professionals will also be able to recommend how much coverage you’ll have through your insurance policy for the water damage cleanup and restoration that is needed.

Category 3 Water

Insurance does not cover water remediation Chicago North Shore involving Category 3 or “black water” damage. This is because Category 3 water – including sewage, rising flood waters, ground surface water, and flooding from rivers or streams – contains bacteria and other contaminants that trigger universal fungus/bacteria exclusions.

No one seems to know – including most insurance agents/brokers and claims adjusters – that these universal exclusions were introduced in September 2003 and are now incorporated into virtually all property and liability insurance policies sold in the USA today.

In the meantime, most water losses that include Category 3 water are being paid by claims adjusters as Category 1 water losses because they don’t distinguish between the categories involved in a loss. And the problem with paying losses as a matter of routine business practice is that it potentially exposes the insurance company directors to shareholder derivative action lawsuits over billions of historical claims dollars related to Category 3 water damages that are technically not covered by their insurance contracts.

Contact Us

Water damage is one of the most common property damage in Chicago, Illinois, and its surrounding suburbs. The aftermath can be devastating for a homeowner, whether caused by flooding, fires, leaking pipes, or a faulty water heater.

A professional water remediation Chicago North Shore company will help restore your property to its former glory and prevent future damage. They will also save you money on your insurance premiums.

Use a company with a proven track record of quality service to get the best possible results. They can also offer you an industry-leading guarantee that they will make things right. To learn more about the best way to go about restoring your home or business, give us a call or complete our contact form. The team at Restoration 1 will be happy to assist you! We are the Chicago North Shore’s premier water restoration company.