This is a residential (Class 3 | Cat 3) water loss. The source of the loss was an upstairs toilet that suffered a catastrophic soft clog fill-up. The water near the source was visibly brown due to large amounts of fecal matter - the water was as contaminated as one could imagine. The catalyst for the loss can be assigned back to the son of the policyholder. Late for school, the son flushed the toilet and ran out the door without looking back. The drain line immediately clogged and water began to pour over the bowl. Simultaneously, the toilet internal float valve failed to shut off. As a result, the water was not shut off until the policyholder arrived on the scene hours later. By this time there was standing water, both upstairs and downstairs. After shutting the water off at the street, the policyholder engaged a remediation contractor. This Insight Sheet exists to clarify how one might invoice for proper protective equipment. This does not seek to include or make concessions for all equipment and/or activities as it relates to a loss of this nature.