When Water Damage Turns Into Pollution Liability

Water losses are a daily reality for restoration contractors. But what many firms don’t realize is how quickly a standard water damage claim can turn into an environmental liability issue.

Contaminated water, sewage backups, and microbial growth can trigger exclusions in general liability policies. Once pollutants or biological hazards are involved, coverage may no longer apply.

Common risk areas include:

• Category 2 and 3 water losses

• Improper containment of contaminated materials

• Mold growth following delayed mitigation

• Disposal of hazardous debris

Without environmental coverage, these claims can fall entirely on the contractor.

ARI Brokers helps restoration firms bridge the gap between water mitigation and pollution exposure. With the right environmental insurance in place, you can take on complex losses with confidence — knowing your coverage responds when conditions escalate.

Water damage doesn’t stay simple for long. Make sure your insurance keeps up.