Types of Water Leak Insurance Claims (1)
Many types of water leak damages exist, some claimable and covered by insurance companies. If the damage results from the at-fault party. It is recommended that you don’t claim with your home insurer but instead with legal firms and solicitors that can help you file a claim that doesn’t affect your water leak insurance premiums.
Leakage Damage Insurance Categories
The damage covered by the insurance and legal claim firms is based on three categories of water leakage. It can be from Category A, B or C, which ranges from ‘clean’, ‘grey’ and ‘black’ waters.
Category A – Clean Water:
The water from pipe bursts that are clean or safe to use and do not pose a severe risk to the tenant’s well-being is under this category of leakages. Any problems relating to sinks, supply lines, broken pipes, or rainwater can match the conditions defined by Category-A of Water Leakage, with most ranging from mild overflowing to somewhat serious contamination of personal belongings.
Category B – Gray Water:
The water from equipment discharge, such as dishwashers, washing machines or toilets, is classified into this category of leakages. The problems caused by the grey water can usually pose mild to severe disease and poisoning risks.
It can also foster microbial growth for toxins such as bacteria and fungi, resulting in illness along with the possible chances of mould infections. Any exposure to such water is usually harmful and can result in moderate compensation amounts from the insurance and no-fault claims.
Category C – Black Water:
Water from black sewage or waste disposals such as grease, oil, or petroleum is classified as black water. It’s the most severe type of leakage that can occur and damage your health even in the proximity of it.
This type of water is highly contaminated and can contain risk hazards as well as a high infestation of toxins, which can cause a tremendous amount of damage to your body, amounting to death in some scenarios. Anybody in standing water exposed to various chemicals or toxic substances will result in this leakage category.