Glossary · damage
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
Pure Loss
Damage where the item cannot be restored and must be replaced.
Total Loss
Damage at or exceeding the cost to replace the entire structure or item.
Constructive Total Loss
Damage where repair cost exceeds replacement value.
Partial Loss
Damage less than total.
Code Upgrade
Repair component required by current building code.
Water Damage
Damage from water in any of several categories.
Know the law
Related statutes
FS 626.854 Public Adjusters
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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Glossary
Related insurance terms
Labor Burden
Related glossary entry: Labor Burden.
Assignment of Benefits (AOB)
Related glossary entry: Assignment of Benefits (AOB).
Deductible
Related glossary entry: Deductible.
Pack-Back
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Fair Rental Value
Related glossary entry: Fair Rental Value.
Quick-Pay Discount
Related glossary entry: Quick-Pay Discount.
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- ✓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 later.
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