Water Damage Protection Measures
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About this ebook
Over the past ten years water damage claims have steadily increased to the point where they have overtaken all other property losses combined. Written to provide professional insurance adjusters with a basis for assessing flood and water damage risk. This guide is a combination of two articles published for the Ontario Insurance Adjuster's Association magazine Without Prejudice in April & May 2010
Willy G. Henderson
Contact at wghenderson@rogers.comBio to follow soon.
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Water Damage Protection Measures - Willy G. Henderson
WATER DAMAGE PROTECTION MEASURES
by
Willy G. Henderson
Smashwords Edition
*****
PUBLISHED BY
Willy G. Henderson on Smashwords
Water Damage Protection Measures
Copyright ©2010 Willy G. Henderson
Other works by Willy G. Henderson at Smashwords
*****
WATER DAMAGE PROTECTION MEASURES
Over the past ten years water damage claims have steadily increased to the point where they have overtaken all other losses combined. According to the Insurance Bureau of Canada (IBC) 2009, 50 % of all homeowner claims are the result of water damage. The reason for this is the cause of much speculation; climate change, poor maintenance of sewer and storm drain infrastructure, and so on. While such factors definitely have an impact, water intrusion in an empty, unfinished concrete basement would likely not have caused a policyholder to file a claim in the past. However, homeowners are increasingly investing in their homes through renovation and in attempts to expand their living space many of these improvements are most often found in the basement. As such it is not uncommon to find expensive hardwood floors, high-end electronics, pool tables, fireplaces, teak molding, and other cosmetic finishes below ground level. This trend in home improvement is likely the largest single cause for the increasing number and cost of water damage claims. As a result, it is forcing the average adjuster to develop a high level of skilled knowledge and understanding of the root causes and remediation of water damage.
CONSIDERATIONS AT OR BELOW GRADE
Basement flooding can lead to a host