Water damage can escalate quickly, especially when the source involves a plumbing line connected to a Water damage can escalate quickly, especially when the source involves a plumbing line connected to a bathroom. A recent water loss in Haverford, PA is a clear example of how a “minor leak” can become a serious contamination event when the issue isn’t opened, inspected, and treated correctly.
A homeowner contacted MSI after discovering a leak from a discharge line beneath her bathroom. The ceiling below was water-logged and showing visible signs of saturation.
When the Insurance Contractor Gets It Wrong
Before calling MSI, the homeowner’s insurance company sent a large national franchise to evaluate the loss. Their conclusion:
- The leak was “minor”
- No need to open the ceiling
- Just set fans and dry it out
- Push ahead with drywall and paint repairs
- No verification of the source.
- No moisture mapping.
- No cavity opening.
This approach is not just careless — it’s dangerous, especially when Category 3 water is involved.
What MSI Found After Opening the Ceiling
After speaking with the homeowner and explaining the risks of a discharge line leak, she hired MSI to perform a proper inspection.
Once we opened the ceiling, the real conditions became clear:
- The toilet discharge line was still leaking
- The ceiling cavity was saturated with Category 3 (sewage) water
- Mold growth had already developed inside the ceiling
- Contamination extended into a wall pocket that required removal
- Moisture had carried down into the basement, affecting additional areas
This was not a minor leak — it was a hazardous contamination event hidden behind drywall.
Why Category 3 Water Must Be Remediated Correctly
Category 3 water (sewage, toilet discharge, or drain line leaks) contains:
- Bacteria
- Viruses
- Organic waste
- Fecal matter
- Harmful microorganisms
Drying Category 3 water with fans is never enough.
It spreads contamination and traps moisture inside building materials.
Proper remediation requires:
- Opening all affected cavities
- Removing saturated materials
- Antimicrobial treatment
- HEPA filtration and negative air pressure
- Structural drying
- Post-remediation verification
Anything less puts the home — and the occupants — at risk.
Restoring the Home and Reopening the Claim
After completing all demolition, drying, and mold remediation, MSI assisted the homeowner in reopening the insurance claim and documented the true scope of damage — something the first contractor failed to do.
This case shows why second opinions matter. Homeowners are allowed to choose the company they trust, not the one their insurance sends.
The Lesson: Hidden Water Damage Should Never Be Ignored
The Haverford incident is a reminder:
- Category 3 water is hazardous
- Ceilings and walls must be opened when contamination is suspected
- Insurance-preferred vendors often minimize damage to reduce costs
- Proper inspection protects the home and the homeowner
If you notice water damage, plumbing leaks, or anything involving a drain line, don’t ignore it.
📞 Call MSI at 877-712-1600 for professional water damage assessment and mold remediation in Haverford and surrounding areas.









