Logan Square's density of 2-flat and 3-flat buildings creates complex water damage patterns — a pipe failure on floor 3 creates Category 2 damage through floors 2 and 1. Basement apartments regularly flood from CSO events.
Combined sewer backup and aging building infrastructure — most Logan Square 2-flats were built 1910–1940 with original galvanized plumbing
Two-flat and three-flat owners are simultaneously landlord and victim — while dealing with their own unit damage, they face tenant claims and relocation obligations under Chicago Landlord-Tenant Ordinance.
Two-flat and three-flat owners need commercial landlord policies, not residential homeowners policies — most residential policies exclude rental income loss and tenant property damage liability.
Multi-unit building restoration requires coordinating work across occupied units — expect 40–60% longer project timelines than single-family homes
Chicago citywide average: $2,000 – $11,000
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