Office water damage uniquely threatens digital infrastructure: server rooms, workstations, and cabling. In multi-tenant buildings, damage attribution between tenants and the building owner creates complex insurance scenarios. We handle the documentation chain that makes insurance claims across multiple parties succeed.
Avg $5,000–$50,000 in data and equipment loss
Shut down all servers and workstations immediately — do NOT wait
Remove documents from affected areas and begin controlled drying of salvageable paper
Notify your IT team and data recovery specialists — wet electronics require immediate specialized drying
Document all equipment losses before moving anything (model numbers, serial numbers, purchase dates)
If multi-tenant, notify building management and request access to all affected floors
Electronic data records coverage is often a separate endorsement — check if your policy includes it
Business Interruption applies when offices are uninhabitable — file BI claim alongside property claim
In multi-tenant buildings, the building owner's insurance covers structural damage; tenants' policies cover their equipment and business income
Do not reopen until all items are cleared:
IT infrastructure tested and confirmed operational before staff returns
Air quality test passed (mold risk from wet ceiling tiles)
All workstation areas dry to industry standard before electronics reconnected
Security system verified operational (water events can damage entry systems)
Cleaning and sanitization complete for any contaminated areas
Commercial emergency?
Every hour = Variable by tenant in potential losses
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