Hurricanes and other natural disasters can bring high winds, flooding, and tornadoes to many areas. Homeowners everywhere face the stress of dealing with water or flood damage. However, not all are aware of the fact that these two are different. Various insurance policies do not consider flood damage as a form of water damage. This can lead to expensive costs for damage repairs. Let’s go over the difference between flood damage and water damage.
What is Water Damage
Water damage typically occurs before water comes in contact with the ground. It is usually covered under homeowners’ insurance, although it is recommended that you read the policy terms to determine precisely the kind of water damage it will cover. Water damage may happen when rainwater during a storm damages your walls or floors. It can also occur when a pipe bursts, with leaks damaging important parts of your home, like insulation or hardwood floors. This type of damage differs from flood damage.
What is Flood Damage
The word “flood” refers to the occurrence of tidal waters temporarily consuming a dry area or residential property. In such an event, the resulting damage could be severe to the point that residential property could be possibly destroyed. Unlike water damage, flood damage comes from natural sources like storms, lakes, rivers, and streams, and the difference is substantial in terms of how and if you can file claims.
In general, the main difference between flood damage and water damage is that flood water comes from a natural source, and at least two properties are involved. On the other hand, if you are dealing with water in your house but your neighbor does not have any issues, you are most likely dealing with a water damage claim.
Check Your Coverage
Generally, most homeowners insurance policies do not cover flood damage. So what can be done about this? Make sure to research each insurance provider and consider purchasing a flood insurance policy. This is highly recommended if you live in an area with frequent hurricanes, tropical storms, and heavy rainfall. Do not wait until the storm season or until a pipe breaks to check your policy. Many insurance policies have a waiting period before they can go into effect.
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At Smith & Son’s, we have provided the state of Maryland with top-notch workmanship on our restoration and remodeling jobs for over three decades. We have 24/7 availability and exceptional customer service, along with the expertise to complete all of your interior and exterior home remodeling needs. We take pride in what we do, and we know that you will too. For an exceptional job at an honest price throughout the Annapolis, Glen Burnie, Pasadena, Ellicott City, Severna Park, and Columbia areas, give us a call today at (410) 360-5252 or 1-410-245-5954 for 24/7 insurance home emergency service. You can also keep up with us on Facebook, Twitter, and contact us here. We look forward to serving you.