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Course 02 · 3 hours · In-person or live virtual
When the Water Hits the Floor
The first 48 hours of a water loss — from category determination to subrogation.
CE credits
3
Insurance Council of BC
Overview
Water is the most common, most expensive, and most misunderstood claim type in BC residential and strata files. This course walks through the first forty-eight hours of a water loss as the adjuster, the contractor, and the IICRC standard see it — and shows brokers where coverage interpretation actually matters.
Learning outcomes
- 01Distinguish IICRC Category 1, 2, and 3 water losses and why the category drives the scope
- 02Identify the policy language that decides whether a loss is covered
- 03Read a moisture map and a drying log
- 04Spot subrogation opportunities at first notice
Modules
MODULE 01
Category & class
The IICRC S500 framework, applied.
MODULE 02
Coverage triggers
Sudden vs. gradual, escape vs. seepage.
MODULE 03
The dry-out
What the contractor is doing and why.
MODULE 04
Subrogation flags
Patterns that recover money.