Water Damage

Expert guidance on water damage assessment, extraction, structural drying, and moisture mapping to restore properties to pre-loss condition.

Water main break flooding a residential street with utility crew on site
Insurance Claims, Water Damage

Whose Water Is It? When a Pipe Break Gets Called a Flood

A Penfield condo owner’s insurer refused a water-main-break claim as “flood damage” — but courts have long held that water inside a pipe isn’t surface water. The catch: carriers rewrote the exclusion, the pipe’s burial depth matters, and the route the water traveled can decide the claim. For restorers, the name given to the water is the coverage fight, so document the source like the job depends on it.

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