Water damage

Water damage describes various possible losses caused by water intruding where it will enable attack of a material or system by destructive processes such as rotting of wood, mold growth, bacteria growth, rusting of steel, swelling of composite woods, damage to laminated materials like plywood, short-circuiting of electrical devices, etc.
The damage may be very slow and minor such as water spots that could eventually mar a surface, or it may be instantaneous and catastrophic such as burst pipes and 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".
In the United States, those individuals who are affected by wide-scale flooding may have the ability to apply for government and FEMA grants through the Individual Assistance program. On a larger level, businesses, cities, and communities can apply to the FEMA Public Assistance program for funds to assist after a large flood. For example, the city of Fond du Lac Wisconsin received $1.2 million FEMA grant after flooding in June 2008. The program allows the city to purchase the water damaged properties, demolish the structures, and turn the former land into public green space.
Water damage can originate by different sources such as a broken dishwasher hose, a washing machine overflow, a dishwasher leakage, broken/leaking pipes, flood waters, groundwater seepage, building envelope failures (leaking roof, windows, doors, siding, etc.) and clogged toilets. According to the Environmental Protection Agency, 13.7% of all water used in the home today can be attributed to plumbing leaks. On average that is approximately 10,000 gallons of water per year wasted by leaks for each US home. A tiny, 1/8-inch crack in a pipe can release up to 250 gallons of water a day. According to Claims Magazine in August 2000, broken water pipes ranked second to hurricanes in terms of both the number of homes damaged and the amount of claims (on average $50,000 per insurance claim) costs in the US. Experts suggest that homeowners inspect and replace worn pipe fittings and hose connections to all household appliances that use water at least once a year. This includes washing machines, dishwashers, kitchen sinks, and bathroom lavatories, refrigerator icemakers, water softeners, and humidifiers. A few US companies offer whole-house leak protection systems utilizing flow-based technologies. A number of insurance companies offer policyholders reduced rates for installing a whole-house leak protection system.
As far as insurance coverage is concerned, damage caused by surface water intrusion to the dwelling is considered flood damage and is normally excluded from coverage under traditional homeowners' insurance. Surface water is water that enters the dwelling from the surface of the ground because of inundation or insufficient drainage and causes loss to the dwelling. Coverage for surface water intrusion to the dwelling would usually require a separate flood insurance policy.
There are three basic categories of water damage, based on the level of contamination.
Category 1 Water - Refers to a source of water that does not pose a substantial threat to humans. Examples are broken water supply lines, tub or sink overflows or appliance malfunctions that involve water supply lines.
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. This type carries microorganisms 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 is grossly unsanitary. This water contains unsanitary agents, harmful bacteria and fungi, causing severe discomfort or sickness. This category includes water sources from sewage, seawater, rising water from rivers or streams, storm surge, ground surface water or standing water.
Categories of water damage can deteriorate based on environmental conditions, including time and temperature. (e.g., Category 1 water can deteriorate to Category 2 water)
Class of water damage is determined by the potential rate of evaporation based on the type of materials affected by water. For example, carpet pad that is saturated will have a greater potential evaporation rate due to its porosity that a hard wood floor that is saturated with water.
Determing the class of a water loss will help determine how much drying equipment such as air movers and dehumidifiers are required to efficiently dry the structural components.
Class 1 — (least amount of water absorption and evaporation load): Water intrusion where wet, porous materials (e.g., carpet, gypsum board, fiber-fill insulation, concrete masonry unit (CMU), textiles) represent less than ~5% of the combined floor, wall and ceiling surface area in the space; and where materials described as low evaporation materials or assemblies have absorbed minimal moisture (see definitions for Class 4 and low evaporation assemblies).
Class 2 — (significant amount of water absorption and evaporation load): water intrusion where wet, porous materials (e.g., carpet, gypsum board, fiber-fill insulation, concrete masonry unit (CMU), textiles) represent ~5% to ~40% of the combined floor, wall and ceiling surface area in the space; and where materials described as low evaporation materials or assemblies have absorbed minimal moisture (see definitions for Class 4 and low evaporation assemblies).
Class 3 — (greatest amount of water absorption and evaporation load): water intrusion where wet, porous materials (e.g., carpet, gypsum board, fiber-fill insulation, concrete masonry unit (CMU), textiles) represent more than ~40% of the combined floor, wall and ceiling surface area in the space; and where materials described as low evaporation materials or assemblies have absorbed minimal moisture (see definitions for Class 4 and low evaporation assemblies).
Class 4 — (deeply held or bound water): water intrusion that involves a significant amount of water absorption into low evaporation materials (e.g., plaster, wood, concrete, masonry) or low evaporation assemblies (e.g., multilayer wallboard, multilayer subfloors, gym floors, or other complex, built-up assemblies). Drying may require special methods, longer drying times, or substantial water vapor pressure differentials.
Water damage restoration can be performed by property management teams, building maintenance personnel, or by the homeowners themselves; however, contacting a certified professional water damage restoration specialist is often regarded as the safest way to restore water damaged property. Certified professional water damage restoration specialists utilize psychrometrics to monitor the drying process.
While there are currently no government regulations in the United States dictating procedures, The Institute of Inspection Cleaning and Restoration Certification (IICRC) is the industry standards and certifying body. The current IICRC standard is ANSI/IICRC S500-2021. It is the collaborative work of the IICRC, SCRT, IEI, IAQA, and NADCA.
The IICRC Water Restoration Certification (WRT) teaches students the industry standard, technical drying concepts, categories and classes of water damage, equipment use, and moisutre identification. After students complete and IICRC course, they can become certified after passing an exam. The IICRC does not operate or hold classes, reather, they have IICRC approved schools who teach certification classes. After completing the course and passing the exam, the IICRC issues students a certification.
Water Restoration companies are regulated by the appropriate state's Department of Consumer Affairs - usually the state contractors license board. While there are generally no contractors license classifications for water damage restoration, the work performed during a restoration project is often covered in adjacent license classifications.
When consumers or businesses hire water restoration companies, they should ensure they are a reputable company by checking reviews, verifying any applicable contractors licenses, IICRC certifications, if they are an IICRC Certified Firm, and appropriate business insurance.
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 areas affected. Emergency mitigation services are the first order of business. Controlling the source of water, removal of non-salvageable materials, water extraction and pre-cleaning of impacted materials are all part of the mitigation process. Restoration services would then be rendered to the property in order to dry the structure, stabilize building materials, 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. The goal of the drying process is to stabilize the moisture content of impacted materials below 15%, the generally accepted threshold for microbial amplification. 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.[6] In conclusion, key aspects of water damage restoration include fast action, adequate equipment, moisture measurements, and structural drying. Dehumidification is especially crucial for structural components affected by water damage, such as wooden beams, flooring, and drywall.