Water Damage Claim: The Importance of Pretesting for Water Categories

2/2/2022 (Permalink)

When filing an insurance claim, category one, or white/clear, water is the least expensive to remedy.

Water Damage Claim: The Importance Of Water Category Pretesting

Anyone who has experienced flooding is likely familiar with the various colors associated with floodwaters: white/clear, gray and black. These colors are often tied to a category and a classification which specifies the amount of safety precautions necessary and the level of mitigation and cleanout. When filing a claim, it is critical to know the category and classification because each ascending level impacts the severity and costs of damage. Therefore, pretesting is used to designate the category and classification of water to ensure that claims and restorative preparations are efficient and accurate.

1. Category One

When filing an insurance claim, category one, or white/clear, water is the least expensive to remedy. The source is sanitary, meaning that there is no harmful bacteria or sewage present. While this category can be a relief, it is still necessary to act quickly to remove the water and repair the damage. If the water sits for too long, it can be contaminated by other items in the area, causing an elevation in category or classification.

2. Category Two

If the water is found to be category two, or gray water, through pretesting, then it is best that you do not go near it. This result indicates that there are organic and inorganic substances in the water and that you may become ill if it is consumed or touched.

3. Category Three

Category three, is the most dangerous water. The level of contamination includes sewage, chemicals, bacteria and possible toxins. It is likely that your insurance agent and company will recommend a disaster restoration specialist in the Edmond, OK, area who will probably seal the space as they work to remove the water safely.

Insurance claims require accurate representations of the damage to a property. Pretesting provides those assessments for insurers by providing definitive information about the category and classification of the water and damage to your home.