Why does water in one campus-area unit reach the unit below?
Water follows gravity and the path of least resistance. In a building with shared floors, it can pass through the subfloor, the joist bays and the plumbing chases into the unit below, often at a point far from the source. The crew checks the unit beneath every affected wet area.
A wet ceiling below a bathroom is the most common sign, but water can also travel along a joist or through a gap around a pipe and show in a corner of the room below. The crew reads each unit's ceiling and walls to trace the route.
The people in the lower unit may not know the water has reached them until the paint starts to bubble. A call from one unit can therefore lead to a visit to another, and the crew plans for that from the start.
Who is responsible for the building's repairs?
The owner of the building or the unit is responsible for repairs to the structure and to the plumbing, and the occupants are usually responsible for their own belongings. The crew identifies the owner and the occupants at the start, and it does not decide responsibility for a lease or a claim.
Repairs to a supply line, a drain or an appliance are for the trade that does that work. Repairs to the structure after drying are a separate trade again. Where a lease sets out who pays for what, that is a matter for the parties to the lease.
The crew records what it found and who it found to be present, so the owner and the occupants both have the same account of the visit.
How are shared belongings handled after a water loss?
Items in a wet room are photographed and listed before they are moved, and any that are wet and can be dried are separated from those that cannot. A household's belongings are its own, so each household is shown its items and what happened to them.
Books, papers and fabric that have taken up water are often the first to be lost. Photograph each item where it sits, and note its owner and approximate condition. The crew can move the items to a dry area to keep the loss from spreading.
Do not throw items away before the crew has recorded them. An insurer or a landlord may need to see what was lost, and a list made while the items are in view is more useful than one made from memory.
Does the work need to be done during office hours?
Calls are answered 24/7 and a crew is sent as soon as one is free. For a commercial premises the crew can arrange access outside trading hours where the owner agrees, and it plans the work around the hours the space is needed.
Water does not wait for office hours, and drying does not stop because a shop is open. The crew explains the layout, the noise and the equipment in each area so that the owner can plan around them.
No arrival time is promised. The crew will say when it expects to be there and what is needed from the owner to start.
What should a landlord or an owner keep for the insurer?
Keep photographs, the list of affected units, the readings, the drying log and any repair estimates from the trade that does the work. Those records show the timeline and the extent of the loss, and the insurer will usually ask for them.
The crew gives each unit's readings and photographs in one place, so the owner can send them in a single set. Repair estimates from plumbing, roofing or flooring trades are separate and should be kept with them.
What a policy pays is decided by the policy and the insurer. For questions about a claim, contact the insurer first. The Illinois Department of Insurance takes complaints about insurers.