Category 3 Water
Highly contaminated water requiring specialized remediation.
Sewage, floodwater, and prolonged standing water are Category 3. Remediation requires licensed professionals, hazmat protocols, and specific disposal.
In practice
Where you encounter "Category 3 Water" in Florida claims
Policyholders see "Category 3 Water" referenced in policy language, claim correspondence, and carrier scope of loss documents. Knowing the precise definition under Florida practice keeps you from accepting carrier framing. See also FS 626.854 and FS 627.70131.
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Related terms
Damage where the item cannot be restored and must be replaced.
Damage at or exceeding the cost to replace the entire structure or item.
Damage where repair cost exceeds replacement value.
Damage less than total.
Repair component required by current building code.
Damage from water in any of several categories.
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Free claim review
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
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Related glossary entry: Labor Burden.
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Related glossary entry: Fair Rental Value.
Related glossary entry: Quick-Pay Discount.
No obligation. No fee unless recovery.
Free review. No fee unless we recover more.
Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
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