Water damage

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Interior of part of a damaged home in New Orleans after Hurricane Katrina NavarreUtilityroomMold.jpg
Interior of part of a damaged home in New Orleans after Hurricane Katrina
A smaller and more minor water spot caused by rainwater leaking through a roof Water Damage.JPG
A smaller and more minor water spot caused by rainwater leaking through a roof

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, de-laminating of materials such as plywood, short-circuiting of electrical devices, etc.

Contents

The damage may be imperceptibly 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. [1] 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.[ citation needed ]

Causes

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. [2] 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. [3] 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[ citation needed ]) costs in the US. [4] 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 [5] to the dwelling would usually require a separate flood insurance policy.

Categories

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 substantial threat to humans and classified as "clean water". Examples are broken water supply lines, tub or sink overflows or appliance malfunctions that involves 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. Known as " grey water ". 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 - Known as " black water " and is grossly unsanitary. This water contains unsanitary agents, harmful bacteria and fungi, causing severe discomfort or sickness. Type 3 category are contaminated water sources that affect the indoor environment. This category includes water sources from sewage, seawater, rising water from rivers or streams, storm surge, ground surface water or standing water. Category 2 Water or Grey Water that is not promptly removed from the structure and or have remained stagnant may be re classified as Category 3 Water. Toilet back flows that originates from beyond the toilet trap is considered black water contamination regardless of visible content or color. [6]

Classes

Class of water damage is determined by the probable rate of evaporation based on the type of materials affected, or wet, in the room or space that was flooded. Determining the class of water damage is an important first step, and will determine the amount and type of equipment utilized to dry-down the structure. [7]

Class 1 - Slow Rate of Evaporation. Affects only a portion of a room. Materials have a low permeance/porosity. Minimum moisture is absorbed by the materials. **IICRC s500 2016 update adds that class 1 be indicated when <5% of the total square footage of a room (ceiling+walls+floor) are affected **

Class 2 - Fast Rate of Evaporation. Water affects the entire room of carpet and cushion. May have wicked up the walls, but not more than 24 inches. **IICRC s500 2016 update adds that class 2 be indicated when 5% to 40% of the total square footage of a room (ceiling+walls+floor) are affected **

Class 3 - Fastest Rate of Evaporation. Water generally comes from overhead, affecting the entire area; walls, ceilings, insulation, carpet, cushion, etc. **IICRC s500 2016 update adds that class 3 be indicated when >40% of the total square footage of a room (ceiling+walls+floor) are affected **

Class 4 - Specialty Drying Situations. Involves materials with a very low permeance/porosity, such as hardwood floors, concrete, crawlspaces, gypcrete, plaster, etc. Drying generally requires very low specific humidity to accomplish drying.

Restoration

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. [8]

Standards and regulation

While there are currently no government regulations in the United States dictating procedures, two certifying bodies, the Institute of Inspection Cleaning and Restoration Certification (IICRC) and the RIA, do recommend standards of care. The current IICRC standard is ANSI/IICRC S500-2021. [9] It is the collaborative work of the IICRC, SCRT, IEI, IAQA, and NADCA.

Fire and Water Restoration companies are regulated by the appropriate state's Department of Consumer Affairs - usually the state contractors license board. In California, all Fire and Water Restoration companies must register with the California Contractors State License Board. [10] Presently, the California Contractors State License Board has no specific classification for "water and fire damage restoration."

Procedures

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. [11]

See also

Related Research Articles

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A bathroom, restroom or washroom is a room, typically in a home or other residential building, that contains either a bathtub or a shower. The inclusion of a sink is common. In parts of the world e.g. India, a toilet is typically included in the bathroom; in others, the toilet is typically given a dedicated room separate from the one allocated for personal hygiene activities. In the United States and Canada, the word "bathroom" is often used to refer to any room that contains a toilet, regardless of the inclusion of a bath or shower.

<span class="mw-page-title-main">Basement</span> Below-ground floor of a building

A basement or cellar is one or more floors of a building that are completely or partly below the ground floor. Especially in residential buildings, it often is used as a utility space for a building, where such items as the furnace, water heater, breaker panel or fuse box, car park, and air-conditioning system are located; so also are amenities such as the electrical system and cable television distribution point. In cities with high property prices, such as London, basements are often fitted out to a high standard and used as living space.

<span class="mw-page-title-main">Home repair</span> Maintenance and resolution of problems in a house

Home repair involves the diagnosis and resolution of problems in a home, and is related to home maintenance to avoid such problems. Many types of repairs are "do it yourself" (DIY) projects, while others may be so complicated, time-consuming or risky as to require the assistance of a qualified handyperson, property manager, contractor/builder, or other professionals.

<i>Holmes on Homes</i> Canadian television series

Holmes on Homes is a Canadian television series featuring general contractor Mike Holmes visiting homeowners who are in need of help, mainly due to unsatisfactory home renovations performed by hired contractors.

Flood insurance is the specific insurance coverage issued against property loss from flooding. To determine risk factors for specific properties, insurers will often refer to topographical maps that denote lowlands, floodplains and other areas that are susceptible to flooding.

<span class="mw-page-title-main">Drying</span> Removal of water or another solvent by evaporation from a solid, semi-solid or liquid

Drying is a mass transfer process consisting of the removal of water or another solvent by evaporation from a solid, semi-solid or liquid. This process is often used as a final production step before selling or packaging products. To be considered "dried", the final product must be solid, in the form of a continuous sheet, long pieces, particles or powder. A source of heat and an agent to remove the vapor produced by the process are often involved. In bioproducts like food, grains, and pharmaceuticals like vaccines, the solvent to be removed is almost invariably water. Desiccation may be synonymous with drying or considered an extreme form of drying.

<span class="mw-page-title-main">Vapor barrier</span> Damp proofing material in sheet form

A vapor barrier is any material used for damp proofing, typically a plastic or foil sheet, that resists diffusion of moisture through the wall, floor, ceiling, or roof assemblies of buildings and of packaging to prevent interstitial condensation. Technically, many of these materials are only vapor retarders as they have varying degrees of permeability.

A building envelope or building enclosure is the physical separator between the conditioned and unconditioned environment of a building, including the resistance to air, water, heat, light, and noise transfer.

<span class="mw-page-title-main">Wood drying</span> Also known as seasoning, which is the reduction of the moisture content of wood prior to its use

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<span class="mw-page-title-main">Joint compound</span> A paste of gypsum powder and water that fills seams around sheets of drywall

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<span class="mw-page-title-main">Damp (structural)</span> Presence of unwanted moisture in the structure of a building

Structural dampness is the presence of unwanted moisture in the structure of a building, either the result of intrusion from outside or condensation from within the structure. A high proportion of damp problems in buildings are caused by ambient climate dependent factors of condensation and rain penetration. Capillary penetration of fluid from the ground up through concrete or masonry is known as "rising damp" and is governed by the shape and porosity of the construction materials through which this evaporation-limited capillary penetration takes place. Structural damp, regardless of the mechanisms through which it takes place, is exacerbated by higher levels of humidity.

Basement waterproofing involves techniques and materials used to prevent water from penetrating the basement of a house or a building. Waterproofing a basement that is below ground level can require the application of sealant materials, the installation of drains and sump pumps, and more.

<span class="mw-page-title-main">Building insulation material</span>

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<span class="mw-page-title-main">Crawl space</span> Enclosed space below a structure that is too short to stand erect in

A crawl space or crawlspace is an unoccupied, unfinished, narrow space within a building, between the ground and the first floor. The crawl space is so named because there is typically only enough room to crawl rather than stand; anything larger than about 1 to 1.5 metres and beneath the ground floor would tend to be considered a basement.

The 1966 flood of the Arno in Florence killed 101 people and damaged or destroyed millions of masterpieces of art and rare books. It is considered the worst flood in the city's history since 1557. With the combined effort of Italian and foreign volunteers alike, or angeli del fango, many of these fine works have been restored. New methods in conservation were devised and restoration laboratories established. However, even decades later, much work remains to be done.

<span class="mw-page-title-main">Indoor mold</span> Fungal growth that develops on wet materials

Indoor mold or indoor mould, also sometimes referred to as mildew, is a fungal growth that develops on wet materials in interior spaces. Mold is a natural part of the environment and plays an important part in nature by breaking down dead organic matter such as fallen leaves and dead trees; indoors, mold growth should be avoided. Mold reproduces by means of tiny spores. The spores are like seeds, but invisible to the naked eye, that float through the air and deposit on surfaces. When the temperature, moisture, and available nutrient conditions are correct, the spores can form into new mold colonies where they are deposited. There are many types of mold, but all require moisture and a food source for growth.

<span class="mw-page-title-main">Rainscreen</span>

A rainscreen is an exterior wall detail where the siding stands off from the moisture-resistant surface of an air/water barrier applied to the sheathing to create a capillary break and to allow drainage and evaporation. The rainscreen is the cladding or siding itself but the term rainscreen implies a system of building. Ideally the rainscreen prevents the wall air/water barrier from getting wet but because of cladding attachments and penetrations water is likely to reach this point, and hence materials are selected to be moisture tolerant and integrated with flashing. In some cases a rainscreen wall is called a pressure-equalized rainscreen wall where the ventilation openings are large enough for the air pressure to nearly equalize on both sides of the rain screen, but this name has been criticized as being redundant and is only useful to scientists and engineers.

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The leaky condo crisis, also known as the leaky condo syndrome and rotten condo crisis, is an ongoing construction, financial, and legal crisis in Canada. It primarily involves multi-unit condominium buildings damaged by rainwater infiltration in the Lower Mainland and Vancouver Island regions of coastal British Columbia (B.C.). In B.C. alone an estimated $4 billion in damage has occurred to over 900 buildings and 31,000 individual housing units built between the late 1980s and early 2000s, establishing it as the most extensive and most costly reconstruction of housing stock in Canadian history.

<span class="mw-page-title-main">Ice dam (roof)</span>

An ice dam is an ice build-up on the eaves of sloped roofs of heated buildings that results from melting snow under a snow pack reaching the eave and freezing there. Freezing at the eave impedes the drainage of meltwater, which adds to the ice dam and causes backup of the meltwater, which may cause water leakage into the roof and consequent damage to the building and its contents if the water leaks through the roof.

References

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  2. "How We Use Water". 16 January 2017.
  3. The University of Maine Corporate Extension – www.umext.maine.edu
  4. Herndon Jr., Everette L.; Yang, Chin S. (August 2000). "Mold & Mildew: A Creeping Catastrophe". Claims Magazine. Archived from the original on 2000-08-15. Retrieved November 4, 2016.
  5. Moisture Control Guidance for Building Design, Construction and Maintenance. December 2013.
  6. "Water Damage Restoration Guideline" (PDF). Northern Arizona University. Archived from the original (PDF) on 2013-06-26. Retrieved 2 September 2014.
  7. "The Basics Of Water Damage Restoration Training". www.iicrc.org. Retrieved 2016-11-03.
  8. "Chapter 6: Psychrometry and the Science of Drying". IICRC Standards Subscription Site. Institute of Inspection, Cleaning and Restoration Certification. Retrieved 27 September 2020.
  9. "ANSI/IICRC S500 Water Damage Restoration". IICRC. 22 December 2020. Retrieved 14 February 2022.
  10. "California Contractors State License Board". State of California. Retrieved 2010-08-29.
  11. Sellers, Daniel. "Water Damage Restoration". Dry Pro Restoration. Retrieved 23 October 2023.