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March 16, 2026
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Category 2 vs. Category 3: The Classification Error That Changes Everything
Category classification is not a judgment call. It's a determination based on the source, the path, and the time elapsed. Get it wrong — in either direction — and you've created a problem. Over-classify and the carrier disputes the scope. Under-classify and you've left the homeowner in a contaminated structure. Here's how to get it right.
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