The first hour of a water loss
Stop the source if you safely can, and note the time. Everything downstream, from the drying schedule to the claim, is measured from when the water stopped rather than when it started.
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Practical guidance for the people responsible for buildings. What to do in the first hour of a loss, what your carrier will ask for, and what to have in place before you need any of it.
Written for owners, managing agents, boards, and facility teams.
What your adjuster will actually ask for
Cause of loss, date and time, and what was done to prevent further damage. That last one matters more than people expect, because most policies obligate you to take reasonable steps to limit the loss.
Read moreApprove your vendors before the emergency
The worst time to onboard a contractor is at two in the morning with water coming through a ceiling. Certificates of insurance, W-9s, building alteration agreements, and board approvals all take days you will not have.
Read moreWhy "it looks dry" is not dry
Surfaces dry long before assemblies do. A wall can feel dry to the hand while the bottom plate, the cavity insulation, and the subfloor beneath it are still holding moisture.
Read moreWhen a loss crosses several units
Document per unit from the start. In a condominium or co-op the building policy and the unit owner policies are separate, and a single blended scope covering four apartments is very difficult to allocate later.
Read moreFreeze risk in older buildings
Pipes fail in unheated and under-heated space: vacant units, stair towers, crawl spaces, and anywhere a heating zone has quietly stopped working. The failure usually happens on the thaw rather than the freeze.
Read moreFast, reliable restoration. Day or night.
24 hour emergency response across the New York City metro.
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