Glossary · damage
Water Damage
Damage from water in any of several categories.
Water damage is categorized: Category 1 (clean water), Category 2 (gray water), Category 3 (black water, sewage). Remediation requirements escalate by category. Insurance scope should match.
In practice
Where you encounter "Water Damage" in Florida claims
Policyholders see "Water Damage" 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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Know these too
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.
Dry Time
Duration and method for drying water-damaged materials.
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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Where else this term matters
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Glossary
Related insurance terms
Xactimate Update
Related glossary entry: Xactimate Update.
First Notice of Loss (FNOL)
Related glossary entry: First Notice of Loss (FNOL).
Homeowner Claim Bill of Rights
Related glossary entry: Homeowner Claim Bill of Rights.
Content Cleaning
Related glossary entry: Content Cleaning.
Extended Replacement Cost
Related glossary entry: Extended Replacement Cost.
Proximate Cause Chain
Related glossary entry: Proximate Cause Chain.
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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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