Claims & Insurance
Water Mitigation Category
Water mitigation category is the label for how contaminated the water is, usually clean supply-line water, gray water from a fixture, or black water from sewage or ground water. The IICRC water damage standard defines the categories, and the category drives which materials can be dried in place and which must be removed, so document it before work starts.
More claims & insurance terms
- Water Damage
Water damage is loss caused by water entering where it should not, from a burst supply line, a roof leak or a storm, and it often shows as staining, swelling or soft drywall. Document the source and moisture readings, since carriers generally pay for the resulting damage and drying. Whether the failed pipe or fitting itself is covered turns on the cause and the policy, so read the exclusion before you promise it.
- Water Extraction
Water extraction is the first step of drying a wet building: pumping and vacuuming standing water before air movers and dehumidifiers run. For a claim, log time on site, equipment used and daily moisture readings, because carriers want proof the drying was needed and how long it took.
- Wind and Hail Deductible
A wind and hail deductible is a separate deductible, often higher than your general one, that applies only to wind and hail claims. It is usually a percentage of the dwelling limit rather than a flat amount, and it comes off the top of the claim, so figure it before you quote a homeowner.
- Wind claim
A claim for damage caused by wind, typically lifted shingles, exposed nails, and torn flashing.
- Workers Compensation
Workers compensation is insurance that pays medical bills and lost wages for an employee hurt on the job, and it generally replaces the employee's right to sue the employer over that injury. Most states require it, it is priced by payroll and job class, and it is not part of a homeowner's property claim.
Common questions
What does "Water Mitigation Category" mean in Xactimate estimating?
Water mitigation category is the label for how contaminated the water is, usually clean supply-line water, gray water from a fixture, or black water from sewage or ground water. The IICRC water damage standard defines the categories, and the category drives which materials can be dried in place and which must be removed, so document it before work starts.
Where does "Water Mitigation Category" show up in a claim?
The term matters on estimates and scopes across the insurance restoration workflow. Browse the glossary for related terms.
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