1-800 Water Damage

34 © 2026 1-800 WATER DAMAGE International, LLC Franchise Disclosure Document 2603 Agreement). The Agreement does not impose a limit as to what data we may access or how we may use the data. We or our affiliates will provide one website page for your 1-800 WATER DAMAGE Business. In consideration of these services, the Business shall pay us a monthly technology fee of $750 per month (“Technology Fee”). We require you to purchase all software, software upgrades, and updates necessary to operate the Business, and pay us a monthly software fee, which is currently $399 per month (“Software Fee”). We reserve the right to increase the Technology Fee and the Software Fee during the term of the Franchise Agreement, due to business necessity. Neither we, nor any affiliate or third party is obligated to provide ongoing maintenance, repairs, upgrades or updates to the Computer System. We currently do not require that you purchase a maintenance, repair, upgrade or update service contract for the Computer System, but we reserve the right to do so in the future. We do not provide support or warranties for hardware or third-party software; any support or warranties are provided solely by the manufacturer. You promise to subscribe to, maintain, and utilize a fiber-optic internet or other high-speed internet, cable or satellite high-speed Internet connection and electronic mail (referred to as “e- mail”) network account with independent supplier. As technology advances and new discoveries are made, we have the right to update and upgrade the technological items and designate the specific companies, models and/or types that are required for use in the 1-800 WATER DAMAGE Business. We may require you to upgrade computer hardware, but no more than two times during the initial term, at a cost not to exceed $3,000. You must also utilize at your expense QuickBooks Online Accounting Software and maintain our specified chart of accounts. We will have automatic password access to your financial reports on this system. You may not utilize any other accounting or reporting software that is not approved by us. We have the right to change these requirements at our discretion. QuickBooks Online Plus costs approximately $42 per month. You must also use an approved Professional Services Automation (PSA) software. We will provide you with an email address that will have, as its suffix, “@1800waterdamage.com.” Emails sent to you at 1800waterdamage.com will be automatically forwarded to you at your electronic mail account. 11.7 Telephone Listings We will provide to you a business telephone number and fax telephone number, which will have a local area code that is assigned to the Territory. We will forward all calls to the business telephone number and fax telephone number to any device(s) you select. 11.8 Operations Manuals Topic Number of Pages 1-800 WATER DAMAGE OPERATIONS MANUALS Table of Contents 4 Introduction 2 Office Administration 5 Office Policies and Procedures 6 A Day In a Life 9

24 © 2026 1-800 WATER DAMAGE International, LLC Franchise Disclosure Document 2603 Except as approved in advance in writing by us, you must not establish or maintain a separate website, splash page, profile, including Google MyBusiness Profile, or other presence on the Internet, or otherwise advertise on the Internet or any other public computer network in connection with the Business, including any profile on Facebook, X formerly known as Twitter, LinkedIn, Plaxo, YouTube, Pinterest, Instagram, or any other social media and/or networking site. If such approval is granted by us, you must: (i) establish and operate such World Wide Web or Internet site in accordance with System standards and any other policies we designate in the Operations Manuals or otherwise in writing from time to time; and (ii) utilize any templates that we provide to you to create and/or modify such site(s). 8.4 Insurance Before attending the Business Manager and Technical Operations Training, you promise to purchase and maintain in full force and effect throughout the term of the Franchise Agreement and at your expense, insurance protecting you, your employees, and us, our officers, and our employees, against loss, liability, fire, personal injury, death, property damages, or theft arising from, or occurring in connection with, the operation and promotion of the 1-800 WATER DAMAGE Business as specified in detail in the Franchise Agreement or otherwise in writing from us. Currently, the minimum insurance requirements are as follows: (a) commercial general liability insurance in the minimum amount of $2,000,000 general aggregate, $2,000,000 products and completed operations aggregate, $1,000,000 personal and advertising injury limit and $1,000,000 per occurrence limit; (b) automobile liability insurance with a combined single limit of at least $1,000,000 for bodily injury and property damage for all owned or leased vehicles and for hired and non-owned motor vehicles; (c) workers’ compensation and employers’ liability insurance in the minimum amount of $500,000 by accident, $500,000 by disease and $500,000 policy limit, or the minimum limit required by your state, whichever is higher; (d) employee dishonesty insurance in the minimum amount of $50,000 per loss; (e) a commercial umbrella liability insurance policy with a limit of at least $2,000,000 per occurrence and aggregate and shall list the commercial general liability and automobile liability policies as scheduled underlying policies; (f) a pollution insurance policy with a limit of at least $1,000,000 for each loss, and $1,000,000 aggregate policy limits, providing for mold, bacteria and fungi remediation and the testing, monitoring, clean-up, removal, treatment or neutralizing of various pollutants; and (g) other insurance as required by any state, county, local, or other municipal insurance requirements. All policies will be written by an insurance company(ies) that is/are licensed in the state in which you are doing business, and that has an A.M. Best rating of “A” or better. Currently, you are not obligated by the terms of the Franchise Agreement to purchase your insurance from any specific provider, although we reserve the right to specify the specific provider that you must use in the future. We may, periodically determine and modify the minimum insurance limits and require different or additional kinds of insurance to reflect changes in insurance standards, normal business practices, higher court awards and other relevant circumstance. To gain adequate protection, you should discuss with your insurance agent and financial advisor to determine if your personal situation requires you to maintain coverage in excess of the minimums that we require. If any lease or Customer contract requires an insurance policy amount to be higher than the amounts we have listed above, you must obtain the highest amount for such policy. All general liability insurance policies will name us, BELFOR Franchise Group, LLC, BELFOR USA Group, Inc., and our designated affiliates, employees, officers and directors (the 25 © 2026 1-800 WATER DAMAGE International, LLC Franchise Disclosure Document 2603 “Indemnified Parties”) as additional insureds, and will contain no provision which in any way limits or reduces coverage for you if a claim is made by any one or more of the Indemnified Parties, and will extend to and provide indemnity for all obligations assumed by you and all items for which you are required to indemnify us, will be primary to and without right of contribution from any other insurance purchased by the Indemnified Parties, and will provide, by endorsement, that we receive at least 30 days’ notice of any intent to cancel or materially alter any policy. At least ten (10) days before attending either the Business Manager and Technical Operations Training, commencing the operation of the 1-800 WATER DAMAGE Business, whenever a change is made to your policy, and before expiration of any insurance coverage, you must provide us a copy or certificate or other acceptable proof of such insurance. If you do not maintain the required insurance coverage, or do not furnish us with satisfactory evidence of insurance coverage and premium payments, we may obtain, at our sole option and in addition to our other rights and remedies under the Franchise Agreement, any required insurance coverage on your behalf. We are under no obligation whatsoever to obtain such insurance, but if we do so, you must fully cooperate with us in our efforts and must promptly sign all forms required to obtain or maintain the insurance. You must also allow any inspections of your 1-800 WATER DAMAGE Business required to obtain or maintain the insurance. Finally, you must pay us, on demand, any costs and premiums we incur in obtaining insurance on your behalf. Neither your obligation to maintain insurance coverage nor our maintenance of insurance on your behalf, will reduce or absolve you of any obligations of indemnification described in the Franchise Agreement. You promise to promptly report all material claims, or potential claims, against you, any Indemnified Party or us, to the insurer and to us. You may not commence your 1-800 WATER DAMAGE Business until you have provided the certificates of insurance or other acceptable proof of all insurances. You may not commence your 1-800 WATER DAMAGE Business until you have provided the certificates of insurance or other acceptable proof of all insurances. You may not reduce the policy limits, restrict coverage, cancel, or otherwise alter or amend any insurance policy without our written consent. You must provide us with copies of any insurance claims or insurance cancellations within 24 hours. You have a 24 hour opportunity to cure any lapses in insurance coverage. No insurance policy must be subject to cancellation, termination, nonrenewal or material modification, except upon at least 30 days prior written notice from the insurance carrier to us. We have the right to increase or otherwise modify the minimum insurance requirements upon 30 days prior written notice to you, and you shall comply with any such modification within the time specified in said notice. 8.5 Material Benefits As a Franchisee, you will not receive any material benefits from the Business’ purchase of certain products or services or use of particular suppliers. 8.6 Approval of Alternative Suppliers All products and materials must meet our standards and specifications and must be pre- approved by us regardless of the supplier. In the event you wish to purchase an unapproved item for the Business, including inventory, and/or acquire approved items for the Business from an unapproved supplier, you must provide us with a proof of the materials you wish to order and a written request for approval. We will notify you in writing of our approval or disapproval within ten days of receipt of the materials and your written request. We have no obligation to approve 26 © 2026 1-800 WATER DAMAGE International, LLC Franchise Disclosure Document 2603 any particular products, service or supplier. If you do not receive approval within ten days, you should consider the materials disapproved. All products and materials must meet the quality of our current suppliers, and correctly bear the Marks. Standards and specifications for suppliers and products are periodically modified, in our sole discretion, to meet changing market conditions and are published in our Operations Manuals, other publications, and on our website. Approval of a supplier may be conditioned on requirements relating to product quality, production and delivery capabilities, ability to meet our supply commitments and financial stability. There is no fee to secure approval to purchase from alternative suppliers, but you must reimburse us our reasonable costs, regardless of approval of your request. At our discretion, we may, with notice to you, revoke our approval of any previously approved products due to changes in standards and specifications or if such products subsequently fail to meet the quality of our current suppliers. Use of products and materials that have not received our prior written approval and/or do not meet our standards and specifications can result in the termination of your Agreement. 8.7 Business Phone We will provide you the business phone number to be used by the Business. The business number will be owned by us and will be forwarded to any device(s) you select. We may require you to use the phone service provider, phone models and type from the supplier(s) that we designate. The business phone number provided by us will be the only number aside from the 1- 800 WATER DAMAGE phone number you will be allowed to advertise. 8.8 Standards and Specifications You must operate the Business according to our standards, specifications, and operating procedures. We will formulate and modify standards and specifications based on our and our franchisees’ experiences in operating the Business. Our standards and specifications may impose requirements for performance, reputation, quality, and appearance. Our Operations Manuals and other communications identify our standards and specifications and/or names of designated or approved suppliers. Standards and specifications are updated periodically at our sole determination. 8.9 Vehicle Standards and Specifications The initial vehicle and any additional vehicles, if any, must be leased or purchased through our then current approved supplier(s). 1-800 WATER DAMAGE Businesses will use vehicles for the Business that meet our design and operating specifications for model type, color, trademark representation, and appearance. These specifications are included in our Manuals. All vehicles purchased or leased for the Business are to be, and maintained, in a “good” condition as defined by KELLEY BLUE BOOK (“good” condition means that the vehicle is free of any major defects). The paint, body and interior must have only minor (if any) blemishes, and there may not be any major mechanical problems. In states where rust is a problem, this should be very minimal. All vehicles used in connection with the business are to be decaled as required by us and the decals are to be free of defects at all times. We reserve the right to require you to purchase a new service vehicle(s) if you are unable to maintain your vehicle in accordance with our standards. 8.10 Computer Hardware and Software Components You will be required to purchase at your expense, the required computer hardware and software.

24 © 2026 1-800 WATER DAMAGE International, LLC Franchise Disclosure Document 2603 Except as approved in advance in writing by us, you must not establish or maintain a separate website, splash page, profile, including Google MyBusiness Profile, or other presence on the Internet, or otherwise advertise on the Internet or any other public computer network in connection with the Business, including any profile on Facebook, X formerly known as Twitter, LinkedIn, Plaxo, YouTube, Pinterest, Instagram, or any other social media and/or networking site. If such approval is granted by us, you must: (i) establish and operate such World Wide Web or Internet site in accordance with System standards and any other policies we designate in the Operations Manuals or otherwise in writing from time to time; and (ii) utilize any templates that we provide to you to create and/or modify such site(s). 8.4 Insurance Before attending the Business Manager and Technical Operations Training, you promise to purchase and maintain in full force and effect throughout the term of the Franchise Agreement and at your expense, insurance protecting you, your employees, and us, our officers, and our employees, against loss, liability, fire, personal injury, death, property damages, or theft arising from, or occurring in connection with, the operation and promotion of the 1-800 WATER DAMAGE Business as specified in detail in the Franchise Agreement or otherwise in writing from us. Currently, the minimum insurance requirements are as follows: (a) commercial general liability insurance in the minimum amount of $2,000,000 general aggregate, $2,000,000 products and completed operations aggregate, $1,000,000 personal and advertising injury limit and $1,000,000 per occurrence limit; (b) automobile liability insurance with a combined single limit of at least $1,000,000 for bodily injury and property damage for all owned or leased vehicles and for hired and non-owned motor vehicles; (c) workers’ compensation and employers’ liability insurance in the minimum amount of $500,000 by accident, $500,000 by disease and $500,000 policy limit, or the minimum limit required by your state, whichever is higher; (d) employee dishonesty insurance in the minimum amount of $50,000 per loss; (e) a commercial umbrella liability insurance policy with a limit of at least $2,000,000 per occurrence and aggregate and shall list the commercial general liability and automobile liability policies as scheduled underlying policies; (f) a pollution insurance policy with a limit of at least $1,000,000 for each loss, and $1,000,000 aggregate policy limits, providing for mold, bacteria and fungi remediation and the testing, monitoring, clean-up, removal, treatment or neutralizing of various pollutants; and (g) other insurance as required by any state, county, local, or other municipal insurance requirements. All policies will be written by an insurance company(ies) that is/are licensed in the state in which you are doing business, and that has an A.M. Best rating of “A” or better. Currently, you are not obligated by the terms of the Franchise Agreement to purchase your insurance from any specific provider, although we reserve the right to specify the specific provider that you must use in the future. We may, periodically determine and modify the minimum insurance limits and require different or additional kinds of insurance to reflect changes in insurance standards, normal business practices, higher court awards and other relevant circumstance. To gain adequate protection, you should discuss with your insurance agent and financial advisor to determine if your personal situation requires you to maintain coverage in excess of the minimums that we require. If any lease or Customer contract requires an insurance policy amount to be higher than the amounts we have listed above, you must obtain the highest amount for such policy. All general liability insurance policies will name us, BELFOR Franchise Group, LLC, BELFOR USA Group, Inc., and our designated affiliates, employees, officers and directors (the 25 © 2026 1-800 WATER DAMAGE International, LLC Franchise Disclosure Document 2603 “Indemnified Parties”) as additional insureds, and will contain no provision which in any way limits or reduces coverage for you if a claim is made by any one or more of the Indemnified Parties, and will extend to and provide indemnity for all obligations assumed by you and all items for which you are required to indemnify us, will be primary to and without right of contribution from any other insurance purchased by the Indemnified Parties, and will provide, by endorsement, that we receive at least 30 days’ notice of any intent to cancel or materially alter any policy. At least ten (10) days before attending either the Business Manager and Technical Operations Training, commencing the operation of the 1-800 WATER DAMAGE Business, whenever a change is made to your policy, and before expiration of any insurance coverage, you must provide us a copy or certificate or other acceptable proof of such insurance. If you do not maintain the required insurance coverage, or do not furnish us with satisfactory evidence of insurance coverage and premium payments, we may obtain, at our sole option and in addition to our other rights and remedies under the Franchise Agreement, any required insurance coverage on your behalf. We are under no obligation whatsoever to obtain such insurance, but if we do so, you must fully cooperate with us in our efforts and must promptly sign all forms required to obtain or maintain the insurance. You must also allow any inspections of your 1-800 WATER DAMAGE Business required to obtain or maintain the insurance. Finally, you must pay us, on demand, any costs and premiums we incur in obtaining insurance on your behalf. Neither your obligation to maintain insurance coverage nor our maintenance of insurance on your behalf, will reduce or absolve you of any obligations of indemnification described in the Franchise Agreement. You promise to promptly report all material claims, or potential claims, against you, any Indemnified Party or us, to the insurer and to us. You may not commence your 1-800 WATER DAMAGE Business until you have provided the certificates of insurance or other acceptable proof of all insurances. You may not commence your 1-800 WATER DAMAGE Business until you have provided the certificates of insurance or other acceptable proof of all insurances. You may not reduce the policy limits, restrict coverage, cancel, or otherwise alter or amend any insurance policy without our written consent. You must provide us with copies of any insurance claims or insurance cancellations within 24 hours. You have a 24 hour opportunity to cure any lapses in insurance coverage. No insurance policy must be subject to cancellation, termination, nonrenewal or material modification, except upon at least 30 days prior written notice from the insurance carrier to us. We have the right to increase or otherwise modify the minimum insurance requirements upon 30 days prior written notice to you, and you shall comply with any such modification within the time specified in said notice. 8.5 Material Benefits As a Franchisee, you will not receive any material benefits from the Business’ purchase of certain products or services or use of particular suppliers. 8.6 Approval of Alternative Suppliers All products and materials must meet our standards and specifications and must be pre- approved by us regardless of the supplier. In the event you wish to purchase an unapproved item for the Business, including inventory, and/or acquire approved items for the Business from an unapproved supplier, you must provide us with a proof of the materials you wish to order and a written request for approval. We will notify you in writing of our approval or disapproval within ten days of receipt of the materials and your written request. We have no obligation to approve 26 © 2026 1-800 WATER DAMAGE International, LLC Franchise Disclosure Document 2603 any particular products, service or supplier. If you do not receive approval within ten days, you should consider the materials disapproved. All products and materials must meet the quality of our current suppliers, and correctly bear the Marks. Standards and specifications for suppliers and products are periodically modified, in our sole discretion, to meet changing market conditions and are published in our Operations Manuals, other publications, and on our website. Approval of a supplier may be conditioned on requirements relating to product quality, production and delivery capabilities, ability to meet our supply commitments and financial stability. There is no fee to secure approval to purchase from alternative suppliers, but you must reimburse us our reasonable costs, regardless of approval of your request. At our discretion, we may, with notice to you, revoke our approval of any previously approved products due to changes in standards and specifications or if such products subsequently fail to meet the quality of our current suppliers. Use of products and materials that have not received our prior written approval and/or do not meet our standards and specifications can result in the termination of your Agreement. 8.7 Business Phone We will provide you the business phone number to be used by the Business. The business number will be owned by us and will be forwarded to any device(s) you select. We may require you to use the phone service provider, phone models and type from the supplier(s) that we designate. The business phone number provided by us will be the only number aside from the 1- 800 WATER DAMAGE phone number you will be allowed to advertise. 8.8 Standards and Specifications You must operate the Business according to our standards, specifications, and operating procedures. We will formulate and modify standards and specifications based on our and our franchisees’ experiences in operating the Business. Our standards and specifications may impose requirements for performance, reputation, quality, and appearance. Our Operations Manuals and other communications identify our standards and specifications and/or names of designated or approved suppliers. Standards and specifications are updated periodically at our sole determination. 8.9 Vehicle Standards and Specifications The initial vehicle and any additional vehicles, if any, must be leased or purchased through our then current approved supplier(s). 1-800 WATER DAMAGE Businesses will use vehicles for the Business that meet our design and operating specifications for model type, color, trademark representation, and appearance. These specifications are included in our Manuals. All vehicles purchased or leased for the Business are to be, and maintained, in a “good” condition as defined by KELLEY BLUE BOOK (“good” condition means that the vehicle is free of any major defects). The paint, body and interior must have only minor (if any) blemishes, and there may not be any major mechanical problems. In states where rust is a problem, this should be very minimal. All vehicles used in connection with the business are to be decaled as required by us and the decals are to be free of defects at all times. We reserve the right to require you to purchase a new service vehicle(s) if you are unable to maintain your vehicle in accordance with our standards. 8.10 Computer Hardware and Software Components You will be required to purchase at your expense, the required computer hardware and software.

24 © 2026 1-800 WATER DAMAGE International, LLC Franchise Disclosure Document 2603 Except as approved in advance in writing by us, you must not establish or maintain a separate website, splash page, profile, including Google MyBusiness Profile, or other presence on the Internet, or otherwise advertise on the Internet or any other public computer network in connection with the Business, including any profile on Facebook, X formerly known as Twitter, LinkedIn, Plaxo, YouTube, Pinterest, Instagram, or any other social media and/or networking site. If such approval is granted by us, you must: (i) establish and operate such World Wide Web or Internet site in accordance with System standards and any other policies we designate in the Operations Manuals or otherwise in writing from time to time; and (ii) utilize any templates that we provide to you to create and/or modify such site(s). 8.4 Insurance Before attending the Business Manager and Technical Operations Training, you promise to purchase and maintain in full force and effect throughout the term of the Franchise Agreement and at your expense, insurance protecting you, your employees, and us, our officers, and our employees, against loss, liability, fire, personal injury, death, property damages, or theft arising from, or occurring in connection with, the operation and promotion of the 1-800 WATER DAMAGE Business as specified in detail in the Franchise Agreement or otherwise in writing from us. Currently, the minimum insurance requirements are as follows: (a) commercial general liability insurance in the minimum amount of $2,000,000 general aggregate, $2,000,000 products and completed operations aggregate, $1,000,000 personal and advertising injury limit and $1,000,000 per occurrence limit; (b) automobile liability insurance with a combined single limit of at least $1,000,000 for bodily injury and property damage for all owned or leased vehicles and for hired and non-owned motor vehicles; (c) workers’ compensation and employers’ liability insurance in the minimum amount of $500,000 by accident, $500,000 by disease and $500,000 policy limit, or the minimum limit required by your state, whichever is higher; (d) employee dishonesty insurance in the minimum amount of $50,000 per loss; (e) a commercial umbrella liability insurance policy with a limit of at least $2,000,000 per occurrence and aggregate and shall list the commercial general liability and automobile liability policies as scheduled underlying policies; (f) a pollution insurance policy with a limit of at least $1,000,000 for each loss, and $1,000,000 aggregate policy limits, providing for mold, bacteria and fungi remediation and the testing, monitoring, clean-up, removal, treatment or neutralizing of various pollutants; and (g) other insurance as required by any state, county, local, or other municipal insurance requirements. All policies will be written by an insurance company(ies) that is/are licensed in the state in which you are doing business, and that has an A.M. Best rating of “A” or better. Currently, you are not obligated by the terms of the Franchise Agreement to purchase your insurance from any specific provider, although we reserve the right to specify the specific provider that you must use in the future. We may, periodically determine and modify the minimum insurance limits and require different or additional kinds of insurance to reflect changes in insurance standards, normal business practices, higher court awards and other relevant circumstance. To gain adequate protection, you should discuss with your insurance agent and financial advisor to determine if your personal situation requires you to maintain coverage in excess of the minimums that we require. If any lease or Customer contract requires an insurance policy amount to be higher than the amounts we have listed above, you must obtain the highest amount for such policy. All general liability insurance policies will name us, BELFOR Franchise Group, LLC, BELFOR USA Group, Inc., and our designated affiliates, employees, officers and directors (the 25 © 2026 1-800 WATER DAMAGE International, LLC Franchise Disclosure Document 2603 “Indemnified Parties”) as additional insureds, and will contain no provision which in any way limits or reduces coverage for you if a claim is made by any one or more of the Indemnified Parties, and will extend to and provide indemnity for all obligations assumed by you and all items for which you are required to indemnify us, will be primary to and without right of contribution from any other insurance purchased by the Indemnified Parties, and will provide, by endorsement, that we receive at least 30 days’ notice of any intent to cancel or materially alter any policy. At least ten (10) days before attending either the Business Manager and Technical Operations Training, commencing the operation of the 1-800 WATER DAMAGE Business, whenever a change is made to your policy, and before expiration of any insurance coverage, you must provide us a copy or certificate or other acceptable proof of such insurance. If you do not maintain the required insurance coverage, or do not furnish us with satisfactory evidence of insurance coverage and premium payments, we may obtain, at our sole option and in addition to our other rights and remedies under the Franchise Agreement, any required insurance coverage on your behalf. We are under no obligation whatsoever to obtain such insurance, but if we do so, you must fully cooperate with us in our efforts and must promptly sign all forms required to obtain or maintain the insurance. You must also allow any inspections of your 1-800 WATER DAMAGE Business required to obtain or maintain the insurance. Finally, you must pay us, on demand, any costs and premiums we incur in obtaining insurance on your behalf. Neither your obligation to maintain insurance coverage nor our maintenance of insurance on your behalf, will reduce or absolve you of any obligations of indemnification described in the Franchise Agreement. You promise to promptly report all material claims, or potential claims, against you, any Indemnified Party or us, to the insurer and to us. You may not commence your 1-800 WATER DAMAGE Business until you have provided the certificates of insurance or other acceptable proof of all insurances. You may not commence your 1-800 WATER DAMAGE Business until you have provided the certificates of insurance or other acceptable proof of all insurances. You may not reduce the policy limits, restrict coverage, cancel, or otherwise alter or amend any insurance policy without our written consent. You must provide us with copies of any insurance claims or insurance cancellations within 24 hours. You have a 24 hour opportunity to cure any lapses in insurance coverage. No insurance policy must be subject to cancellation, termination, nonrenewal or material modification, except upon at least 30 days prior written notice from the insurance carrier to us. We have the right to increase or otherwise modify the minimum insurance requirements upon 30 days prior written notice to you, and you shall comply with any such modification within the time specified in said notice. 8.5 Material Benefits As a Franchisee, you will not receive any material benefits from the Business’ purchase of certain products or services or use of particular suppliers. 8.6 Approval of Alternative Suppliers All products and materials must meet our standards and specifications and must be pre- approved by us regardless of the supplier. In the event you wish to purchase an unapproved item for the Business, including inventory, and/or acquire approved items for the Business from an unapproved supplier, you must provide us with a proof of the materials you wish to order and a written request for approval. We will notify you in writing of our approval or disapproval within ten days of receipt of the materials and your written request. We have no obligation to approve 26 © 2026 1-800 WATER DAMAGE International, LLC Franchise Disclosure Document 2603 any particular products, service or supplier. If you do not receive approval within ten days, you should consider the materials disapproved. All products and materials must meet the quality of our current suppliers, and correctly bear the Marks. Standards and specifications for suppliers and products are periodically modified, in our sole discretion, to meet changing market conditions and are published in our Operations Manuals, other publications, and on our website. Approval of a supplier may be conditioned on requirements relating to product quality, production and delivery capabilities, ability to meet our supply commitments and financial stability. There is no fee to secure approval to purchase from alternative suppliers, but you must reimburse us our reasonable costs, regardless of approval of your request. At our discretion, we may, with notice to you, revoke our approval of any previously approved products due to changes in standards and specifications or if such products subsequently fail to meet the quality of our current suppliers. Use of products and materials that have not received our prior written approval and/or do not meet our standards and specifications can result in the termination of your Agreement. 8.7 Business Phone We will provide you the business phone number to be used by the Business. The business number will be owned by us and will be forwarded to any device(s) you select. We may require you to use the phone service provider, phone models and type from the supplier(s) that we designate. The business phone number provided by us will be the only number aside from the 1- 800 WATER DAMAGE phone number you will be allowed to advertise. 8.8 Standards and Specifications You must operate the Business according to our standards, specifications, and operating procedures. We will formulate and modify standards and specifications based on our and our franchisees’ experiences in operating the Business. Our standards and specifications may impose requirements for performance, reputation, quality, and appearance. Our Operations Manuals and other communications identify our standards and specifications and/or names of designated or approved suppliers. Standards and specifications are updated periodically at our sole determination. 8.9 Vehicle Standards and Specifications The initial vehicle and any additional vehicles, if any, must be leased or purchased through our then current approved supplier(s). 1-800 WATER DAMAGE Businesses will use vehicles for the Business that meet our design and operating specifications for model type, color, trademark representation, and appearance. These specifications are included in our Manuals. All vehicles purchased or leased for the Business are to be, and maintained, in a “good” condition as defined by KELLEY BLUE BOOK (“good” condition means that the vehicle is free of any major defects). The paint, body and interior must have only minor (if any) blemishes, and there may not be any major mechanical problems. In states where rust is a problem, this should be very minimal. All vehicles used in connection with the business are to be decaled as required by us and the decals are to be free of defects at all times. We reserve the right to require you to purchase a new service vehicle(s) if you are unable to maintain your vehicle in accordance with our standards. 8.10 Computer Hardware and Software Components You will be required to purchase at your expense, the required computer hardware and software.

24 © 2026 1-800 WATER DAMAGE International, LLC Franchise Disclosure Document 2603 Except as approved in advance in writing by us, you must not establish or maintain a separate website, splash page, profile, including Google MyBusiness Profile, or other presence on the Internet, or otherwise advertise on the Internet or any other public computer network in connection with the Business, including any profile on Facebook, X formerly known as Twitter, LinkedIn, Plaxo, YouTube, Pinterest, Instagram, or any other social media and/or networking site. If such approval is granted by us, you must: (i) establish and operate such World Wide Web or Internet site in accordance with System standards and any other policies we designate in the Operations Manuals or otherwise in writing from time to time; and (ii) utilize any templates that we provide to you to create and/or modify such site(s). 8.4 Insurance Before attending the Business Manager and Technical Operations Training, you promise to purchase and maintain in full force and effect throughout the term of the Franchise Agreement and at your expense, insurance protecting you, your employees, and us, our officers, and our employees, against loss, liability, fire, personal injury, death, property damages, or theft arising from, or occurring in connection with, the operation and promotion of the 1-800 WATER DAMAGE Business as specified in detail in the Franchise Agreement or otherwise in writing from us. Currently, the minimum insurance requirements are as follows: (a) commercial general liability insurance in the minimum amount of $2,000,000 general aggregate, $2,000,000 products and completed operations aggregate, $1,000,000 personal and advertising injury limit and $1,000,000 per occurrence limit; (b) automobile liability insurance with a combined single limit of at least $1,000,000 for bodily injury and property damage for all owned or leased vehicles and for hired and non-owned motor vehicles; (c) workers’ compensation and employers’ liability insurance in the minimum amount of $500,000 by accident, $500,000 by disease and $500,000 policy limit, or the minimum limit required by your state, whichever is higher; (d) employee dishonesty insurance in the minimum amount of $50,000 per loss; (e) a commercial umbrella liability insurance policy with a limit of at least $2,000,000 per occurrence and aggregate and shall list the commercial general liability and automobile liability policies as scheduled underlying policies; (f) a pollution insurance policy with a limit of at least $1,000,000 for each loss, and $1,000,000 aggregate policy limits, providing for mold, bacteria and fungi remediation and the testing, monitoring, clean-up, removal, treatment or neutralizing of various pollutants; and (g) other insurance as required by any state, county, local, or other municipal insurance requirements. All policies will be written by an insurance company(ies) that is/are licensed in the state in which you are doing business, and that has an A.M. Best rating of “A” or better. Currently, you are not obligated by the terms of the Franchise Agreement to purchase your insurance from any specific provider, although we reserve the right to specify the specific provider that you must use in the future. We may, periodically determine and modify the minimum insurance limits and require different or additional kinds of insurance to reflect changes in insurance standards, normal business practices, higher court awards and other relevant circumstance. To gain adequate protection, you should discuss with your insurance agent and financial advisor to determine if your personal situation requires you to maintain coverage in excess of the minimums that we require. If any lease or Customer contract requires an insurance policy amount to be higher than the amounts we have listed above, you must obtain the highest amount for such policy. All general liability insurance policies will name us, BELFOR Franchise Group, LLC, BELFOR USA Group, Inc., and our designated affiliates, employees, officers and directors (the 25 © 2026 1-800 WATER DAMAGE International, LLC Franchise Disclosure Document 2603 “Indemnified Parties”) as additional insureds, and will contain no provision which in any way limits or reduces coverage for you if a claim is made by any one or more of the Indemnified Parties, and will extend to and provide indemnity for all obligations assumed by you and all items for which you are required to indemnify us, will be primary to and without right of contribution from any other insurance purchased by the Indemnified Parties, and will provide, by endorsement, that we receive at least 30 days’ notice of any intent to cancel or materially alter any policy. At least ten (10) days before attending either the Business Manager and Technical Operations Training, commencing the operation of the 1-800 WATER DAMAGE Business, whenever a change is made to your policy, and before expiration of any insurance coverage, you must provide us a copy or certificate or other acceptable proof of such insurance. If you do not maintain the required insurance coverage, or do not furnish us with satisfactory evidence of insurance coverage and premium payments, we may obtain, at our sole option and in addition to our other rights and remedies under the Franchise Agreement, any required insurance coverage on your behalf. We are under no obligation whatsoever to obtain such insurance, but if we do so, you must fully cooperate with us in our efforts and must promptly sign all forms required to obtain or maintain the insurance. You must also allow any inspections of your 1-800 WATER DAMAGE Business required to obtain or maintain the insurance. Finally, you must pay us, on demand, any costs and premiums we incur in obtaining insurance on your behalf. Neither your obligation to maintain insurance coverage nor our maintenance of insurance on your behalf, will reduce or absolve you of any obligations of indemnification described in the Franchise Agreement. You promise to promptly report all material claims, or potential claims, against you, any Indemnified Party or us, to the insurer and to us. You may not commence your 1-800 WATER DAMAGE Business until you have provided the certificates of insurance or other acceptable proof of all insurances. You may not commence your 1-800 WATER DAMAGE Business until you have provided the certificates of insurance or other acceptable proof of all insurances. You may not reduce the policy limits, restrict coverage, cancel, or otherwise alter or amend any insurance policy without our written consent. You must provide us with copies of any insurance claims or insurance cancellations within 24 hours. You have a 24 hour opportunity to cure any lapses in insurance coverage. No insurance policy must be subject to cancellation, termination, nonrenewal or material modification, except upon at least 30 days prior written notice from the insurance carrier to us. We have the right to increase or otherwise modify the minimum insurance requirements upon 30 days prior written notice to you, and you shall comply with any such modification within the time specified in said notice. 8.5 Material Benefits As a Franchisee, you will not receive any material benefits from the Business’ purchase of certain products or services or use of particular suppliers. 8.6 Approval of Alternative Suppliers All products and materials must meet our standards and specifications and must be pre- approved by us regardless of the supplier. In the event you wish to purchase an unapproved item for the Business, including inventory, and/or acquire approved items for the Business from an unapproved supplier, you must provide us with a proof of the materials you wish to order and a written request for approval. We will notify you in writing of our approval or disapproval within ten days of receipt of the materials and your written request. We have no obligation to approve 26 © 2026 1-800 WATER DAMAGE International, LLC Franchise Disclosure Document 2603 any particular products, service or supplier. If you do not receive approval within ten days, you should consider the materials disapproved. All products and materials must meet the quality of our current suppliers, and correctly bear the Marks. Standards and specifications for suppliers and products are periodically modified, in our sole discretion, to meet changing market conditions and are published in our Operations Manuals, other publications, and on our website. Approval of a supplier may be conditioned on requirements relating to product quality, production and delivery capabilities, ability to meet our supply commitments and financial stability. There is no fee to secure approval to purchase from alternative suppliers, but you must reimburse us our reasonable costs, regardless of approval of your request. At our discretion, we may, with notice to you, revoke our approval of any previously approved products due to changes in standards and specifications or if such products subsequently fail to meet the quality of our current suppliers. Use of products and materials that have not received our prior written approval and/or do not meet our standards and specifications can result in the termination of your Agreement. 8.7 Business Phone We will provide you the business phone number to be used by the Business. The business number will be owned by us and will be forwarded to any device(s) you select. We may require you to use the phone service provider, phone models and type from the supplier(s) that we designate. The business phone number provided by us will be the only number aside from the 1- 800 WATER DAMAGE phone number you will be allowed to advertise. 8.8 Standards and Specifications You must operate the Business according to our standards, specifications, and operating procedures. We will formulate and modify standards and specifications based on our and our franchisees’ experiences in operating the Business. Our standards and specifications may impose requirements for performance, reputation, quality, and appearance. Our Operations Manuals and other communications identify our standards and specifications and/or names of designated or approved suppliers. Standards and specifications are updated periodically at our sole determination. 8.9 Vehicle Standards and Specifications The initial vehicle and any additional vehicles, if any, must be leased or purchased through our then current approved supplier(s). 1-800 WATER DAMAGE Businesses will use vehicles for the Business that meet our design and operating specifications for model type, color, trademark representation, and appearance. These specifications are included in our Manuals. All vehicles purchased or leased for the Business are to be, and maintained, in a “good” condition as defined by KELLEY BLUE BOOK (“good” condition means that the vehicle is free of any major defects). The paint, body and interior must have only minor (if any) blemishes, and there may not be any major mechanical problems. In states where rust is a problem, this should be very minimal. All vehicles used in connection with the business are to be decaled as required by us and the decals are to be free of defects at all times. We reserve the right to require you to purchase a new service vehicle(s) if you are unable to maintain your vehicle in accordance with our standards. 8.10 Computer Hardware and Software Components You will be required to purchase at your expense, the required computer hardware and software.

34 © 2026 1-800 WATER DAMAGE International, LLC Franchise Disclosure Document 2603 Agreement). The Agreement does not impose a limit as to what data we may access or how we may use the data. We or our affiliates will provide one website page for your 1-800 WATER DAMAGE Business. In consideration of these services, the Business shall pay us a monthly technology fee of $750 per month (“Technology Fee”). We require you to purchase all software, software upgrades, and updates necessary to operate the Business, and pay us a monthly software fee, which is currently $399 per month (“Software Fee”). We reserve the right to increase the Technology Fee and the Software Fee during the term of the Franchise Agreement, due to business necessity. Neither we, nor any affiliate or third party is obligated to provide ongoing maintenance, repairs, upgrades or updates to the Computer System. We currently do not require that you purchase a maintenance, repair, upgrade or update service contract for the Computer System, but we reserve the right to do so in the future. We do not provide support or warranties for hardware or third-party software; any support or warranties are provided solely by the manufacturer. You promise to subscribe to, maintain, and utilize a fiber-optic internet or other high-speed internet, cable or satellite high-speed Internet connection and electronic mail (referred to as “e- mail”) network account with independent supplier. As technology advances and new discoveries are made, we have the right to update and upgrade the technological items and designate the specific companies, models and/or types that are required for use in the 1-800 WATER DAMAGE Business. We may require you to upgrade computer hardware, but no more than two times during the initial term, at a cost not to exceed $3,000. You must also utilize at your expense QuickBooks Online Accounting Software and maintain our specified chart of accounts. We will have automatic password access to your financial reports on this system. You may not utilize any other accounting or reporting software that is not approved by us. We have the right to change these requirements at our discretion. QuickBooks Online Plus costs approximately $42 per month. You must also use an approved Professional Services Automation (PSA) software. We will provide you with an email address that will have, as its suffix, “@1800waterdamage.com.” Emails sent to you at 1800waterdamage.com will be automatically forwarded to you at your electronic mail account. 11.7 Telephone Listings We will provide to you a business telephone number and fax telephone number, which will have a local area code that is assigned to the Territory. We will forward all calls to the business telephone number and fax telephone number to any device(s) you select. 11.8 Operations Manuals Topic Number of Pages 1-800 WATER DAMAGE OPERATIONS MANUALS Table of Contents 4 Introduction 2 Office Administration 5 Office Policies and Procedures 6 A Day In a Life 9

24 © 2026 1-800 WATER DAMAGE International, LLC Franchise Disclosure Document 2603 Except as approved in advance in writing by us, you must not establish or maintain a separate website, splash page, profile, including Google MyBusiness Profile, or other presence on the Internet, or otherwise advertise on the Internet or any other public computer network in connection with the Business, including any profile on Facebook, X formerly known as Twitter, LinkedIn, Plaxo, YouTube, Pinterest, Instagram, or any other social media and/or networking site. If such approval is granted by us, you must: (i) establish and operate such World Wide Web or Internet site in accordance with System standards and any other policies we designate in the Operations Manuals or otherwise in writing from time to time; and (ii) utilize any templates that we provide to you to create and/or modify such site(s). 8.4 Insurance Before attending the Business Manager and Technical Operations Training, you promise to purchase and maintain in full force and effect throughout the term of the Franchise Agreement and at your expense, insurance protecting you, your employees, and us, our officers, and our employees, against loss, liability, fire, personal injury, death, property damages, or theft arising from, or occurring in connection with, the operation and promotion of the 1-800 WATER DAMAGE Business as specified in detail in the Franchise Agreement or otherwise in writing from us. Currently, the minimum insurance requirements are as follows: (a) commercial general liability insurance in the minimum amount of $2,000,000 general aggregate, $2,000,000 products and completed operations aggregate, $1,000,000 personal and advertising injury limit and $1,000,000 per occurrence limit; (b) automobile liability insurance with a combined single limit of at least $1,000,000 for bodily injury and property damage for all owned or leased vehicles and for hired and non-owned motor vehicles; (c) workers’ compensation and employers’ liability insurance in the minimum amount of $500,000 by accident, $500,000 by disease and $500,000 policy limit, or the minimum limit required by your state, whichever is higher; (d) employee dishonesty insurance in the minimum amount of $50,000 per loss; (e) a commercial umbrella liability insurance policy with a limit of at least $2,000,000 per occurrence and aggregate and shall list the commercial general liability and automobile liability policies as scheduled underlying policies; (f) a pollution insurance policy with a limit of at least $1,000,000 for each loss, and $1,000,000 aggregate policy limits, providing for mold, bacteria and fungi remediation and the testing, monitoring, clean-up, removal, treatment or neutralizing of various pollutants; and (g) other insurance as required by any state, county, local, or other municipal insurance requirements. All policies will be written by an insurance company(ies) that is/are licensed in the state in which you are doing business, and that has an A.M. Best rating of “A” or better. Currently, you are not obligated by the terms of the Franchise Agreement to purchase your insurance from any specific provider, although we reserve the right to specify the specific provider that you must use in the future. We may, periodically determine and modify the minimum insurance limits and require different or additional kinds of insurance to reflect changes in insurance standards, normal business practices, higher court awards and other relevant circumstance. To gain adequate protection, you should discuss with your insurance agent and financial advisor to determine if your personal situation requires you to maintain coverage in excess of the minimums that we require. If any lease or Customer contract requires an insurance policy amount to be higher than the amounts we have listed above, you must obtain the highest amount for such policy. All general liability insurance policies will name us, BELFOR Franchise Group, LLC, BELFOR USA Group, Inc., and our designated affiliates, employees, officers and directors (the 25 © 2026 1-800 WATER DAMAGE International, LLC Franchise Disclosure Document 2603 “Indemnified Parties”) as additional insureds, and will contain no provision which in any way limits or reduces coverage for you if a claim is made by any one or more of the Indemnified Parties, and will extend to and provide indemnity for all obligations assumed by you and all items for which you are required to indemnify us, will be primary to and without right of contribution from any other insurance purchased by the Indemnified Parties, and will provide, by endorsement, that we receive at least 30 days’ notice of any intent to cancel or materially alter any policy. At least ten (10) days before attending either the Business Manager and Technical Operations Training, commencing the operation of the 1-800 WATER DAMAGE Business, whenever a change is made to your policy, and before expiration of any insurance coverage, you must provide us a copy or certificate or other acceptable proof of such insurance. If you do not maintain the required insurance coverage, or do not furnish us with satisfactory evidence of insurance coverage and premium payments, we may obtain, at our sole option and in addition to our other rights and remedies under the Franchise Agreement, any required insurance coverage on your behalf. We are under no obligation whatsoever to obtain such insurance, but if we do so, you must fully cooperate with us in our efforts and must promptly sign all forms required to obtain or maintain the insurance. You must also allow any inspections of your 1-800 WATER DAMAGE Business required to obtain or maintain the insurance. Finally, you must pay us, on demand, any costs and premiums we incur in obtaining insurance on your behalf. Neither your obligation to maintain insurance coverage nor our maintenance of insurance on your behalf, will reduce or absolve you of any obligations of indemnification described in the Franchise Agreement. You promise to promptly report all material claims, or potential claims, against you, any Indemnified Party or us, to the insurer and to us. You may not commence your 1-800 WATER DAMAGE Business until you have provided the certificates of insurance or other acceptable proof of all insurances. You may not commence your 1-800 WATER DAMAGE Business until you have provided the certificates of insurance or other acceptable proof of all insurances. You may not reduce the policy limits, restrict coverage, cancel, or otherwise alter or amend any insurance policy without our written consent. You must provide us with copies of any insurance claims or insurance cancellations within 24 hours. You have a 24 hour opportunity to cure any lapses in insurance coverage. No insurance policy must be subject to cancellation, termination, nonrenewal or material modification, except upon at least 30 days prior written notice from the insurance carrier to us. We have the right to increase or otherwise modify the minimum insurance requirements upon 30 days prior written notice to you, and you shall comply with any such modification within the time specified in said notice. 8.5 Material Benefits As a Franchisee, you will not receive any material benefits from the Business’ purchase of certain products or services or use of particular suppliers. 8.6 Approval of Alternative Suppliers All products and materials must meet our standards and specifications and must be pre- approved by us regardless of the supplier. In the event you wish to purchase an unapproved item for the Business, including inventory, and/or acquire approved items for the Business from an unapproved supplier, you must provide us with a proof of the materials you wish to order and a written request for approval. We will notify you in writing of our approval or disapproval within ten days of receipt of the materials and your written request. We have no obligation to approve 26 © 2026 1-800 WATER DAMAGE International, LLC Franchise Disclosure Document 2603 any particular products, service or supplier. If you do not receive approval within ten days, you should consider the materials disapproved. All products and materials must meet the quality of our current suppliers, and correctly bear the Marks. Standards and specifications for suppliers and products are periodically modified, in our sole discretion, to meet changing market conditions and are published in our Operations Manuals, other publications, and on our website. Approval of a supplier may be conditioned on requirements relating to product quality, production and delivery capabilities, ability to meet our supply commitments and financial stability. There is no fee to secure approval to purchase from alternative suppliers, but you must reimburse us our reasonable costs, regardless of approval of your request. At our discretion, we may, with notice to you, revoke our approval of any previously approved products due to changes in standards and specifications or if such products subsequently fail to meet the quality of our current suppliers. Use of products and materials that have not received our prior written approval and/or do not meet our standards and specifications can result in the termination of your Agreement. 8.7 Business Phone We will provide you the business phone number to be used by the Business. The business number will be owned by us and will be forwarded to any device(s) you select. We may require you to use the phone service provider, phone models and type from the supplier(s) that we designate. The business phone number provided by us will be the only number aside from the 1- 800 WATER DAMAGE phone number you will be allowed to advertise. 8.8 Standards and Specifications You must operate the Business according to our standards, specifications, and operating procedures. We will formulate and modify standards and specifications based on our and our franchisees’ experiences in operating the Business. Our standards and specifications may impose requirements for performance, reputation, quality, and appearance. Our Operations Manuals and other communications identify our standards and specifications and/or names of designated or approved suppliers. Standards and specifications are updated periodically at our sole determination. 8.9 Vehicle Standards and Specifications The initial vehicle and any additional vehicles, if any, must be leased or purchased through our then current approved supplier(s). 1-800 WATER DAMAGE Businesses will use vehicles for the Business that meet our design and operating specifications for model type, color, trademark representation, and appearance. These specifications are included in our Manuals. All vehicles purchased or leased for the Business are to be, and maintained, in a “good” condition as defined by KELLEY BLUE BOOK (“good” condition means that the vehicle is free of any major defects). The paint, body and interior must have only minor (if any) blemishes, and there may not be any major mechanical problems. In states where rust is a problem, this should be very minimal. All vehicles used in connection with the business are to be decaled as required by us and the decals are to be free of defects at all times. We reserve the right to require you to purchase a new service vehicle(s) if you are unable to maintain your vehicle in accordance with our standards. 8.10 Computer Hardware and Software Components You will be required to purchase at your expense, the required computer hardware and software.

33 © 2026 1-800 WATER DAMAGE International, LLC Franchise Disclosure Document 2603 of such programs will be borne by the Brand Marketing Fund. (Section 2.G of the Franchise Agreement). We have the right to reimburse ourselves from the Brand Marketing Fund contributions for such reasonable costs and overhead, if any, that we may incur in activities reasonably related to the direction and implementation of the Brand Marketing Fund, and for losses or litigation costs we may incur as a result of any franchisees’ marketing or advertising activities that violate our requirements, including violation of consumer privacy laws, TCPA actions, ADA compliance, the use of artificial intelligence in violation of a consumer privacy law, etc. (Section 2.G of the Franchise Agreement). Outlets owned by us or our affiliates are not required to contribute to the Brand Marketing Fund. We may, but are not obligated to, advance money to the Brand Marketing Fund to fund Brand Marketing Fund programs. In the event that we advance monies to the Brand Marketing Fund, we will determine, in our sole discretion, the manner and timing for the repayment, to us, of some, or all, of the funds we advance. (Section 2.G of the Franchise Agreement). We will prepare on an annual basis, within 120 days of the end of the fiscal year, and make available to you upon written request, a statement of contributions and expenditures for the Brand Marketing Fund. The Brand Marketing Fund does not have to be independently audited. (Section 2.G of the Franchise Agreement). If we do not spend all Brand Marketing Fund Contributions by the end of each fiscal year, the funds will be carried forward into the next fiscal year. We have the right to require that advertising cooperatives be formed, changed, dissolved or merged. Currently, you are not required to participate in any local or regional advertising cooperative. (Section 2.G of the Franchise Agreement). In the fiscal year ended December 31, 2025, we spent Brand Marketing Fund contributions in the following categories: (a) production (4%), (b) media placement (69%), (c) administrative (25%), and (d) public relations (2%). Other than the advertising requirements described above, there are no additional advertising fees required by us. It is at our discretion to determine how much to spend, and where to market, advertise and promote the System. We are not required to spend any amount on advertising in your area or territory. 11.6 Computer Software and Systems. We have developed the WATER DAMAGE franchise software management system (the “WATER DAMAGE Software”), which consists of software program(s) which you must use to maintain customer records, bid on jobs, create estimates and operate the 1-800 WATER DAMAGE Business. We will provide you with the 1-800 WATER DAMAGE Software for use in the operation of the 1-800 WATER DAMAGE Business. As part of the WATER DAMAGE Software, we currently provide XactAnalysis. There will be a transaction fee of approximately $16 per estimate uploaded in XactAnalysis that is charged and collected by Xactimate and you are responsible for the transaction fee. You will obtain for your use a computer that meets our then- current System Standards. (Section 2.H of the Franchise Agreement). We estimate the cost to purchase the Computer System to be $2,875. We have the right to access the Computer System, the data in it, and the reports it generates at any time. We can do this electronically and/or at your business. (Section 2.H of the Franchise

33 © 2026 1-800 WATER DAMAGE International, LLC Franchise Disclosure Document 2603 of such programs will be borne by the Brand Marketing Fund. (Section 2.G of the Franchise Agreement). We have the right to reimburse ourselves from the Brand Marketing Fund contributions for such reasonable costs and overhead, if any, that we may incur in activities reasonably related to the direction and implementation of the Brand Marketing Fund, and for losses or litigation costs we may incur as a result of any franchisees’ marketing or advertising activities that violate our requirements, including violation of consumer privacy laws, TCPA actions, ADA compliance, the use of artificial intelligence in violation of a consumer privacy law, etc. (Section 2.G of the Franchise Agreement). Outlets owned by us or our affiliates are not required to contribute to the Brand Marketing Fund. We may, but are not obligated to, advance money to the Brand Marketing Fund to fund Brand Marketing Fund programs. In the event that we advance monies to the Brand Marketing Fund, we will determine, in our sole discretion, the manner and timing for the repayment, to us, of some, or all, of the funds we advance. (Section 2.G of the Franchise Agreement). We will prepare on an annual basis, within 120 days of the end of the fiscal year, and make available to you upon written request, a statement of contributions and expenditures for the Brand Marketing Fund. The Brand Marketing Fund does not have to be independently audited. (Section 2.G of the Franchise Agreement). If we do not spend all Brand Marketing Fund Contributions by the end of each fiscal year, the funds will be carried forward into the next fiscal year. We have the right to require that advertising cooperatives be formed, changed, dissolved or merged. Currently, you are not required to participate in any local or regional advertising cooperative. (Section 2.G of the Franchise Agreement). In the fiscal year ended December 31, 2025, we spent Brand Marketing Fund contributions in the following categories: (a) production (4%), (b) media placement (69%), (c) administrative (25%), and (d) public relations (2%). Other than the advertising requirements described above, there are no additional advertising fees required by us. It is at our discretion to determine how much to spend, and where to market, advertise and promote the System. We are not required to spend any amount on advertising in your area or territory. 11.6 Computer Software and Systems. We have developed the WATER DAMAGE franchise software management system (the “WATER DAMAGE Software”), which consists of software program(s) which you must use to maintain customer records, bid on jobs, create estimates and operate the 1-800 WATER DAMAGE Business. We will provide you with the 1-800 WATER DAMAGE Software for use in the operation of the 1-800 WATER DAMAGE Business. As part of the WATER DAMAGE Software, we currently provide XactAnalysis. There will be a transaction fee of approximately $16 per estimate uploaded in XactAnalysis that is charged and collected by Xactimate and you are responsible for the transaction fee. You will obtain for your use a computer that meets our then- current System Standards. (Section 2.H of the Franchise Agreement). We estimate the cost to purchase the Computer System to be $2,875. We have the right to access the Computer System, the data in it, and the reports it generates at any time. We can do this electronically and/or at your business. (Section 2.H of the Franchise

24 © 2026 1-800 WATER DAMAGE International, LLC Franchise Disclosure Document 2603 Except as approved in advance in writing by us, you must not establish or maintain a separate website, splash page, profile, including Google MyBusiness Profile, or other presence on the Internet, or otherwise advertise on the Internet or any other public computer network in connection with the Business, including any profile on Facebook, X formerly known as Twitter, LinkedIn, Plaxo, YouTube, Pinterest, Instagram, or any other social media and/or networking site. If such approval is granted by us, you must: (i) establish and operate such World Wide Web or Internet site in accordance with System standards and any other policies we designate in the Operations Manuals or otherwise in writing from time to time; and (ii) utilize any templates that we provide to you to create and/or modify such site(s). 8.4 Insurance Before attending the Business Manager and Technical Operations Training, you promise to purchase and maintain in full force and effect throughout the term of the Franchise Agreement and at your expense, insurance protecting you, your employees, and us, our officers, and our employees, against loss, liability, fire, personal injury, death, property damages, or theft arising from, or occurring in connection with, the operation and promotion of the 1-800 WATER DAMAGE Business as specified in detail in the Franchise Agreement or otherwise in writing from us. Currently, the minimum insurance requirements are as follows: (a) commercial general liability insurance in the minimum amount of $2,000,000 general aggregate, $2,000,000 products and completed operations aggregate, $1,000,000 personal and advertising injury limit and $1,000,000 per occurrence limit; (b) automobile liability insurance with a combined single limit of at least $1,000,000 for bodily injury and property damage for all owned or leased vehicles and for hired and non-owned motor vehicles; (c) workers’ compensation and employers’ liability insurance in the minimum amount of $500,000 by accident, $500,000 by disease and $500,000 policy limit, or the minimum limit required by your state, whichever is higher; (d) employee dishonesty insurance in the minimum amount of $50,000 per loss; (e) a commercial umbrella liability insurance policy with a limit of at least $2,000,000 per occurrence and aggregate and shall list the commercial general liability and automobile liability policies as scheduled underlying policies; (f) a pollution insurance policy with a limit of at least $1,000,000 for each loss, and $1,000,000 aggregate policy limits, providing for mold, bacteria and fungi remediation and the testing, monitoring, clean-up, removal, treatment or neutralizing of various pollutants; and (g) other insurance as required by any state, county, local, or other municipal insurance requirements. All policies will be written by an insurance company(ies) that is/are licensed in the state in which you are doing business, and that has an A.M. Best rating of “A” or better. Currently, you are not obligated by the terms of the Franchise Agreement to purchase your insurance from any specific provider, although we reserve the right to specify the specific provider that you must use in the future. We may, periodically determine and modify the minimum insurance limits and require different or additional kinds of insurance to reflect changes in insurance standards, normal business practices, higher court awards and other relevant circumstance. To gain adequate protection, you should discuss with your insurance agent and financial advisor to determine if your personal situation requires you to maintain coverage in excess of the minimums that we require. If any lease or Customer contract requires an insurance policy amount to be higher than the amounts we have listed above, you must obtain the highest amount for such policy. All general liability insurance policies will name us, BELFOR Franchise Group, LLC, BELFOR USA Group, Inc., and our designated affiliates, employees, officers and directors (the 25 © 2026 1-800 WATER DAMAGE International, LLC Franchise Disclosure Document 2603 “Indemnified Parties”) as additional insureds, and will contain no provision which in any way limits or reduces coverage for you if a claim is made by any one or more of the Indemnified Parties, and will extend to and provide indemnity for all obligations assumed by you and all items for which you are required to indemnify us, will be primary to and without right of contribution from any other insurance purchased by the Indemnified Parties, and will provide, by endorsement, that we receive at least 30 days’ notice of any intent to cancel or materially alter any policy. At least ten (10) days before attending either the Business Manager and Technical Operations Training, commencing the operation of the 1-800 WATER DAMAGE Business, whenever a change is made to your policy, and before expiration of any insurance coverage, you must provide us a copy or certificate or other acceptable proof of such insurance. If you do not maintain the required insurance coverage, or do not furnish us with satisfactory evidence of insurance coverage and premium payments, we may obtain, at our sole option and in addition to our other rights and remedies under the Franchise Agreement, any required insurance coverage on your behalf. We are under no obligation whatsoever to obtain such insurance, but if we do so, you must fully cooperate with us in our efforts and must promptly sign all forms required to obtain or maintain the insurance. You must also allow any inspections of your 1-800 WATER DAMAGE Business required to obtain or maintain the insurance. Finally, you must pay us, on demand, any costs and premiums we incur in obtaining insurance on your behalf. Neither your obligation to maintain insurance coverage nor our maintenance of insurance on your behalf, will reduce or absolve you of any obligations of indemnification described in the Franchise Agreement. You promise to promptly report all material claims, or potential claims, against you, any Indemnified Party or us, to the insurer and to us. You may not commence your 1-800 WATER DAMAGE Business until you have provided the certificates of insurance or other acceptable proof of all insurances. You may not commence your 1-800 WATER DAMAGE Business until you have provided the certificates of insurance or other acceptable proof of all insurances. You may not reduce the policy limits, restrict coverage, cancel, or otherwise alter or amend any insurance policy without our written consent. You must provide us with copies of any insurance claims or insurance cancellations within 24 hours. You have a 24 hour opportunity to cure any lapses in insurance coverage. No insurance policy must be subject to cancellation, termination, nonrenewal or material modification, except upon at least 30 days prior written notice from the insurance carrier to us. We have the right to increase or otherwise modify the minimum insurance requirements upon 30 days prior written notice to you, and you shall comply with any such modification within the time specified in said notice. 8.5 Material Benefits As a Franchisee, you will not receive any material benefits from the Business’ purchase of certain products or services or use of particular suppliers. 8.6 Approval of Alternative Suppliers All products and materials must meet our standards and specifications and must be pre- approved by us regardless of the supplier. In the event you wish to purchase an unapproved item for the Business, including inventory, and/or acquire approved items for the Business from an unapproved supplier, you must provide us with a proof of the materials you wish to order and a written request for approval. We will notify you in writing of our approval or disapproval within ten days of receipt of the materials and your written request. We have no obligation to approve 26 © 2026 1-800 WATER DAMAGE International, LLC Franchise Disclosure Document 2603 any particular products, service or supplier. If you do not receive approval within ten days, you should consider the materials disapproved. All products and materials must meet the quality of our current suppliers, and correctly bear the Marks. Standards and specifications for suppliers and products are periodically modified, in our sole discretion, to meet changing market conditions and are published in our Operations Manuals, other publications, and on our website. Approval of a supplier may be conditioned on requirements relating to product quality, production and delivery capabilities, ability to meet our supply commitments and financial stability. There is no fee to secure approval to purchase from alternative suppliers, but you must reimburse us our reasonable costs, regardless of approval of your request. At our discretion, we may, with notice to you, revoke our approval of any previously approved products due to changes in standards and specifications or if such products subsequently fail to meet the quality of our current suppliers. Use of products and materials that have not received our prior written approval and/or do not meet our standards and specifications can result in the termination of your Agreement. 8.7 Business Phone We will provide you the business phone number to be used by the Business. The business number will be owned by us and will be forwarded to any device(s) you select. We may require you to use the phone service provider, phone models and type from the supplier(s) that we designate. The business phone number provided by us will be the only number aside from the 1- 800 WATER DAMAGE phone number you will be allowed to advertise. 8.8 Standards and Specifications You must operate the Business according to our standards, specifications, and operating procedures. We will formulate and modify standards and specifications based on our and our franchisees’ experiences in operating the Business. Our standards and specifications may impose requirements for performance, reputation, quality, and appearance. Our Operations Manuals and other communications identify our standards and specifications and/or names of designated or approved suppliers. Standards and specifications are updated periodically at our sole determination. 8.9 Vehicle Standards and Specifications The initial vehicle and any additional vehicles, if any, must be leased or purchased through our then current approved supplier(s). 1-800 WATER DAMAGE Businesses will use vehicles for the Business that meet our design and operating specifications for model type, color, trademark representation, and appearance. These specifications are included in our Manuals. All vehicles purchased or leased for the Business are to be, and maintained, in a “good” condition as defined by KELLEY BLUE BOOK (“good” condition means that the vehicle is free of any major defects). The paint, body and interior must have only minor (if any) blemishes, and there may not be any major mechanical problems. In states where rust is a problem, this should be very minimal. All vehicles used in connection with the business are to be decaled as required by us and the decals are to be free of defects at all times. We reserve the right to require you to purchase a new service vehicle(s) if you are unable to maintain your vehicle in accordance with our standards. 8.10 Computer Hardware and Software Components You will be required to purchase at your expense, the required computer hardware and software.