A pipe break on the 10th floor floods 10+ units below. Each unit has its own insurance. The building has its master policy. Tenants have HO-4 renter coverage. Property management has compliance requirements. Multi-family water damage is the most complex restoration scenario in Houston. We have the systems for it.
Cascade affects 5-15+ units
Multi-unit horizontal spread
Top-floor through downstairs
Accidental activation
Scripts + scheduling
Two coverage layers
Displacement coordination
Minimize tenant disruption
Operational coordination, tenant communication, after-hours scheduling, work-order authorization.
Building structure, common elements, sometimes loss of rents. Our master scope documentation.
Personal property, leasehold improvements, ALE for displacement. Per-unit documentation.
(713) 482-7161. Dispatcher takes property type, affected units, urgency. Multi-unit response coordinator assigned within 15 minutes.
Affected units identified, prioritized by severity. PM walkthrough. Tenant communication scripts provided to PM team.
Each affected unit gets its own crew. Faster total resolution. Property-wide containment and air-flow coordination.
Uninhabitable units identified. PM coordinates relocation. ALE documentation for tenant HO-4 claims.
Structure work (master policy) and unit-by-unit work (HO-4 / tenant content) run in parallel. Daily PM updates.
Move-back coordination. ALE end-date documentation. Master + tenant claim packages delivered.
Multi-family losses happen weekly across Houston. High-rise risers, apartment plumbing, condo cascades — each requires multi-stakeholder coordination at speed.
Multi-family losses involve three insurance layers: master/landlord policy (building structure, common elements, sometimes loss of rents), tenant HO-4 (contents, leasehold improvements, ALE for displacement), and sometimes commercial liability (for management firm). We document for each layer cleanly.
Texas Property Code and lease provisions create specific landlord-tenant obligations during habitability disputes. Our documentation supports the right-to-cure timeline determinations and ALE eligibility.
Property + BI + Tenant policies coordinated simultaneously
Master service agreements available for portfolio properties. Commercial coverage typically includes both property and BI scopes.
Free on-site triage + tenant communication script delivery. No obligation.
Master policy bills for building; tenant HO-4 bills for contents/ALE. Two integrated scopes.
Portfolio rates for major Houston PM firms (Greystar, Camden, multifamily REITs).
"Pipe break affected 18 units across 3 floors. Their multi-unit triage was professional and the tenant communication scripts they provided saved our PM team weeks of work. State Farm covered both master and individual unit scopes cleanly."
"A riser break on the 14th floor sent water through 12 units. They had crews in every affected unit within 4 hours. Resident move-outs were minimized because we got moisture out fast."
"Portfolio of 14 Houston communities. They've been our preferred restoration partner for 6 years. MSA pricing, predictable response, integrated documentation. Worth every penny."
Generally: master/landlord policy covers building structure, common elements, sometimes loss of rents. Tenant HO-4 covers personal property, leasehold improvements (paint, fixtures tenant added), and ALE (Additional Living Expense for displacement). We document each clearly.
Yes. Multi-unit losses get parallel crew deployment to minimize total displacement time. Standard scope for 5-20+ unit cascade losses. We've done 30+ unit responses during major storm events.
Depends on severity. Minor units: same-day return. Major units: 2-6 weeks relocation. We give honest estimates upfront based on damage scope. ALE coverage usually pays hotel during displacement.
Yes. Master service agreements available for ongoing emergency response. Portfolio rates, expedited authorization, established adjuster relationships, integrated documentation with PM platforms.
We coordinate with HOA management on material approvals, work hours, dumpster placement, and reinstallation specs. Important for condo properties with strict architectural rules.
We coordinate but don't move furniture ourselves. PM teams typically handle physical move-out. We provide timing schedules, documentation for ALE claims, and final clearance for move-back.
High-rise cascade, apartment burst, condo flood — tenant communication scripts, master + HO-4 documentation, parallel crew deployment.