When water invades a home or building, it encourages mold growth. It can cause illness and in severe cases, death. Explaining to your customers the different categories of damage may help them have a better idea of what water can do to their home or office.
Just as you offer help and education to your clients, brokers who sell insurance for mold remediation contractors can assist you. They provide quality information to help you make the best decisions for your business. A reputable company will answer all your questions and offer support when you need it.
3 Categories of Water Damage
As you work with customers, you may have to explain the different categories of water. Here is the breakdown they can expect to see:
- Clean Water: Broken water lines and overflowing sinks or tubs are the main culprits for this type of damage. It’s considered clean water because the water source is sanitary since it comes out of a faucet.
- Grey Water: Water from washing machines, dishwashers, and toilets lead to grey water damage. The water is dirty and can be contaminated. Some people may become ill after ingesting the fluid.
- Black Water: You can expect people to suffer from severe illness or death if they ingest this unsanitary water. The cause often is from sewer backups, flooding from outside a home, or standing water with microbial growth.
4 Classes of Water Damage to a Building
Another area you may need to explain is that of the classes of water damage, such as:
- Class 1: This is the least severe. For you, the required remediation is the easiest of the classes. Often you will find minor concrete and plywood damaged. Your customers can expect some light repair work since the water absorption rate is slow.
- Class 2: Look for an entire room to be affected. Not only will walls have some damage, but it also affects carpets, chair cushions, couches, tables, beds, and cabinets. Leaving this class untreated will result in lasting damage.
- Class 3: Much more severe, this class results in a total saturation of floors, walls, and ceilings. Localized flooding is often the culprit, such as overhead leaks or seeping foundations.
- Class 4: This is the worst of the classes as water fully saturates concrete, hardwood, and plaster. This class is the most difficult to remediate and can take much longer to correct.
Choose Hawsey Insurance for Your Mold Remediation Contractor Policy
Give your clients the best support to get their property back to normal. Remember that your friendly brokerage at Hawsey Insurance aids you in getting the coverage you need for your business. We offer many policies to support your company, including general liability, worker’s compensation, and umbrella insurance. We spend the required time to answer all your questions and find any possible gaps in your existing policies. Give us a call today and let us help you with your business insurance needs.
Call Hawsey Insurance at (601) 856-7707 for a quote on insurance for mold remediation contractors. Feel free to contact us online or make an appointment at our offices in Madison, Jackson, and Southaven, MS.