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Damage Type Guide
Water Damage Claims
Water damage gets worse by the hour. Understanding what type of water you're dealing with and acting fast can save thousands on your claim.
Time Is Critical: The 24-48 Hour Rule
Clean water becomes contaminated within 24-48 hours. Mold starts growing in the same timeframe. The longer you wait, the more expensive and complex your claim becomes.
Types of Water Damage
Not all water damage is the same. The source determines how serious it is and what cleanup is needed.
Clean Water
Sources: Broken supply lines, sink overflows, appliance malfunctions, rainwater
Risk: Low risk if addressed quickly
Action: Can often be DIY if caught within 24-48 hours. Extract water, dry thoroughly, monitor for mold.
️ Warning: Becomes contaminated within 24-48 hours if left standing
Gray Water
Sources: Washing machine discharge, dishwasher overflow, toilet overflow (urine only), sump pump failures
Risk: Moderate risk - may cause illness
Action: Professional cleaning recommended. Wear gloves and mask if DIY. Disinfect all surfaces.
️ Warning: Becomes heavily contaminated within 48 hours
Black Water
Sources: Sewage backup, toilet overflow with feces, flood water from outside, standing water 48+ hours
Risk: High risk - contains bacteria, viruses, parasites
Action: Professional remediation required. Do not attempt DIY. Porous materials must be removed.
️ Warning: Serious health hazard - keep family and pets away
What to Do Right Now
Follow these steps to protect your property and your claim
Step 1
Stop the Water Source
Locate and shut off water. Use the main valve if you can't find the leak. Document the source with photos.
Step 2
Document Before Cleanup
Take photos and video of water level, source, and all affected areas BEFORE any cleanup.
Step 3
Contact Insurance
Report immediately. Most policies require prompt notification. Ask about emergency mitigation coverage.
Step 4
Begin Drying
Extract standing water, remove wet materials, start fans and dehumidifiers. Your policy requires you to prevent further damage.
Hidden Damage to Look For
Water travels. What you see on the surface is often just the beginning. Make sure your claim includes:
Moisture trapped behind baseboards and in wall cavities
Subfloor damage hidden under carpet or flooring
Wet insulation in walls and attic
Mold starting to grow within 24-48 hours
Warped or weakened framing and joists
Water in HVAC ducts spreading contamination
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Talk to Alan AI About Your Water Damage
Alan AI was trained by adjusters who've handled thousands of water damage claims. He can guide you through documentation, help you find hidden damage, and make sure nothing gets missed.
Knows what adjusters look for because adjusters built him
Guides you through proper documentation step-by-step
Helps identify hidden damage you might miss
Tracks DOI deadlines so you don't miss important dates
Don't Let Water Damage Become a Bigger Problem
Every hour counts. Get expert guidance now—before the damage gets worse.
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