Sewer Damage
Sewer damage and flooding can be among the most complex and challenging claims for not only homeowners but also insurance adjusters. The damages caused by sewage extend beyond superficial flood damage, a fact that is often overlooked. This complexity underscores the need for expert guidance and understanding. Some pitfalls to avoid are as follows:
- Water damage can be divided into categories depending on the contamination level of the water, and each category of water must be treated differently. The Institute of Inspection Cleaning and Restoration Certification (IICRC), who defines and regulates standards for the cleaning and restoration industries worldwide, defines the categories as follows:
- Category 1 Water Damage– Sanitary “Clean Water” that does not pose a substantial health risk
- Category 2 Water Damage-Significantly Contaminated “Grey Water” and may contain significant contamination and potentially unsafe levels of bacteria, viruses, mold, or other nutrients for microorganisms
- Category 3 Water Damage-Grossly Contaminated “Black Water,” which can contain toxins or pathogens and may cause significant adverse reactions with exposure
Sewage damage is considered Category 3 Water Damage and require proper mitigation, remediation, and clean-up
- Claims of sewer flooding should be reported to your insurance carrier immediately, as relocation until proper mitigation and remediation can be preformed is usually necessary. Additional living expenses coverage is a requirement in Colorado and should be part of your homeowners’ policy to help pay for the expenses of relocation during this time. Speak with your claims adjuster about this immediately
- Many homeowners’ policies have exclusions or special conditions for sewer damage. Be sure to read your policy carefully and, if necessary, speak with your agent or a licensed public adjuster or attorney about your coverages and if you are protected before such disaster hits.
There are many other issues to be aware of during a sewer flood, but the most crucial issue to remember is to keep yourself and your household safe. If you have questions, consult an expert such as a licensed public adjuster or insurance bad faith attorney. Being protected should be guesswork, but insurance companies have unfortunately made it such.
Frequently
Asked Questions
If you’ve been injured in an accident, there are several important steps you should take to protect your health and legal rights
- Dial 911 – Emergency Services. Get checked out by emergency responders, even if you think injuries are minor, you should always get evaluated. If the accident involved a motor vehicle, file a report with the police This documentation could be important later on.
- Document the Scene: If possible, take photos of the accident scene, your injuries, and any damage to vehicles or property. Collect contact information from witnesses and others involved in the accident READ MORE…
When involved in a personal injury claim, the process can be very intimidating. Many individuals facing this situation are often dealing with life-altering injuries, high medical bills, financial hardships and find themselves feeling very vulnerable.
Hiring a personal injury lawyer can be beneficial in a variety of situations, particularly when you have sustained significant injuries or damages due to someone else’s negligenceREAD MORE…
After being injured in an accident caused by someone else’s negligence, you may be wondering if you actually need to hire a personal injury lawyer. You would want to consult with an attorney, because in most cases, there will be an opposing party in your case that will be working against you. Choosing the right personal injury lawyer for your case is important to ensure you receive the best possible representation and outcome. Hiring a Denver Personal injury lawyer that specializes in that area of law is crucial, to ensure that you are getting proper representation, and your case is in good hands. Having an experienced lawyer like FIEDLER Trial Lawyers is helpful and provides powerful representation.
Here are some tips to help you choose the right lawyer:READ MORE…
The cost of hiring a personal injury lawyer can vary depending on the lawyer and the specifics of your case. However, personal injury lawyers work on a contingency fee basis, which means they only get paid if they win your case. Here’s how the contingency fee structure typically works and other potential costs to consider:
Contingency Fees: Percentage of Recovery: If the lawyer works on a contingency fee basis, they will take a percentage of the settlement or judgment amount you receive if you win your case. This percentage is typically around 33% to 40% but can vary depending on the lawyer and the jurisdiction.
No Win, No Fee: If you do not win your case, the lawyer will not charge you for legal fees. However, there may still be other costs you could be responsible for (discussed below).RAED MORE…
In a personal injury claim, you may be entitled to several types of compensation, also known as damages, to address the losses and injuries you’ve suffered due to someone else’s negligence or wrongdoing. The types of compensation typically fall into three main categories: economic, non-economic, and, in some cases, punitive damages. Here’s an overview of each:
Economic Damages: These damages are intended to compensate you for actual financial losses resulting from the injury:
Medical Expenses: Compensation for past, current, and future medical costs, including hospital bills, surgeries, medications, rehabilitation, and any other necessary medical treatment. READ MORE…
The value of a personal injury case can vary greatly depending on several factors unique to your situation. Since each case is different, there is no standard formula to calculate the exact value. However, here are some key factors that generally affect the worth of a personal injury case:
Severity of Injuries: The more serious and long-lasting your injuries, the higher the potential value of your case. This includes considering whether your injuries result in permanent disability or disfigurement.
Medical Expenses: Your case will take into account all medical expenses you have incurred, as well as future medical costs related to your injury.
Lost Wages and Earning Capacity: The case can include compensation for lost income due to time off work and any future loss of earning capacity if your injuries affect your ability to work.READ MORE…
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