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The Color of Water

White, gray or black. What do these colors mean? Is water just water? Maybe you think so but insurance adjusters and public adjusters think differently. Here's my opinion;

White, this is clean. Rain water is clean, water from a spigot is clean.

Gray is water that starts out clean but eventually becomes contaminated. perhaps it runs through ceilings and walls where there are contaminates, or through a drain that contain the same.

Black is dirty contaminated water. Water that escapes from a stack pipe or a commode for example.

If white water hits your structure, unless there is obvious damage, the structure can be cleaned.

If gray/black water touches your structure it's a different story. The contaminated material must be removed. Certain materials such as metal, glass and plastic can be cleaned however.

Personal property can have both a plastic outer shell, but since the inside has electrical components, this would have to be replaced as well.

If gray/black water soaks your carpet, both carpet and padding will require replacement.

But if clean water does the same, the carpet could possibly be salvaged but the padding should be replaced. Once again, unless visible damage actually has occurred to the carpet.

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