Flood Damage and Water: What's the Difference?
Is it Flood Damage or Water Damage?
Mitigation and restoration after water damage occurs is not the only piece of the water damage puzzle. When water causes damage, an insurance claim should be made as soon as possible.
Filing an insurance claim because of water damage can be complicated. The first step is knowing the difference between a flood damage claim and water damage. This information is crucial to the homeowner because it determines what is covered and what is not.
The distinction between a flood damage claim and a water damage claim is best be defined by (FEMA) the Federal Emergency Management Agency’s flood definition. According to FEMA, a flood is a general and temporary condition of partial or complete inundation of two or more acres and two or more properties of normally dry land.
To make it simple, if the water that caused the damage occurred from a natural source and any neighbors are experiencing the same water issues, its generally flood damage. According to FEMA, flood damage can only be caused by overflow of inland or tidal waters, unusual and rapid accumulation or runoff of surface waters from any source, mudflow, or collapse of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood.
If a flood has caused damage to your home, it is important to know if you currently have flood insurance through the National Flood Insurance Program, because home insurance companies do not offer coverage on flood damage. Having flood insurance is extremely beneficial to homeowners who think they might even have the slightest chance of being affected by a flood. The official site of the National Flood Insurance Program states that flood insurance policies cover physical damage to your property and possessions.
Everything from the actual building and its foundation to the refrigerator and the food inside of it is covered by flood insurance and will be taken into consideration when claims are filed. Flood insurance does cover basements and areas below the lowest elevated floor, but it depends on the flood zone and the date of construction. It is important to remember that flood insurance does not cover the sentimental value of any property, so be sure to remove any precious items such as photos, documents, or personal items that cannot be replaced as quickly as possible.
When water damage occurs in your home, did not originate from a natural source, and is not affecting any surrounding buildings, a water damage claim is necessary. Circumstances such as broken toilets, overflowing bathtubs, broken pipes, and b burst water mains are all grounds for water damage claims that should be filed by contacting your homeowners insurance company.
Working through the process of filing both a water damage claim and a flood damage claim can be confusing, and seem overwhelming.
If water damage does occur, SERVPRO of NW Charlotte can clean and restore your home to make it "Like it never even happened." Call us 24/7.