The damage may be imperceptibly slow and minor such as water spots that could eventually mar a surface, or it may be instantaneous and catastrophic such as flooding. However fast it occurs, water damage is a major contributor to loss of property.
An insurance policy may or may not cover the costs associated with water damage and the process of water damage restoration. While a common cause of residential water damage is often the failure of a sump pump, many homeowner's insurance policies do not cover the associated costs without an addendum which adds to the monthly premium of the policy. Often the verbiage of this addendum is similar to "Sewer and Drain Coverage".
As far as insurance coverage is concerned, most damage caused by bad weather is considered flood damage and normally is not covered under homeowners insurance. Coverage for bad weather would usually require flood insurance.
Category 2 Water - Refers to a source of water that contains a significant degree of chemical, biological or physical contaminants and causes discomfort or sickness when consumed or even exposed to. Known as "Grey Water". This type carries micro organisms and nutrients of micro organisms. Examples are toilet bowls with urine (no feces), sump pump failures, seepage due to hydrostatic failure and water discharge from dishwashers or washing machines.
Category 3 Water - Known as "Black Water" and is grossly unsanitary. This water contains unsanitary agents, harmful bacteria and fungi, causing severe discomfort or sickness. Type 3 category are contaminated water sources that affects the indoor environment. This category includes water sources from sewage, seawater, rising water from rivers or streams, ground surface water or standing water. Category 2 Water or Grey Water that is not promptly removed from the structure and or have remained stagnant may be re classified as Category 3 Water. Toilet back flows that originates from beyond the toilet trap is considered black water contamination regardless of visible content or color.
Class 1 - Slow Rate of Evaporation. Affects only a portion of a room. Materials have a low permeance/porosity. Minimum moisture is absorbed by the materials.
Class 2 - Fast Rate of Evaporation. Water affects the entire room of carpet and cushion. May have wicked up the walls, but not more than 24 inches.
Class 3 - Fastest Rate of Evaporation. Water generally comes from overhead, affecting the entire area; walls, ceilings, insulation, carpet, cushion, etc.
Class 4 - Specialty Drying Situations. Involves materials with a very low permeance/porosity, such as hardwood floors, concrete, crawlspaces, plaster, etc. Drying generally requires very low specific humidity to accomplish drying.
Water damage restoration is often prefaced by a loss assessment and evaluation of affected materials. The damaged area is inspected with water sensing equipment such as probes and other infrared tools in order to determine the source of the damage and possible extent of area affected. Restoration services would then be rendered to the residence in order to dry the structure, sanitize any affected or cross contaminated areas, and deodorize all affected areas and materials. After the labor is completed, water damage equipment including air movers, air scrubbers, dehumidifiers, wood floor drying systems, and sub floor drying equipment is left in the residence. Industry standards state that drying vendors should return at regular time intervals, preferably every twenty-four hours, to monitor the equipment, temperature, humidity, and moisture content of the affected walls and contents.