Water and Flood Damage: What's the Difference?

11/11/2016 (Permalink)

Water is a necessity, but not when it is causing damage to your home or business. If water damage does occur, SERVPRO of South Brevard can clean and restore your home to make it as though it never happened. However, the cleaning and restoration after damage occurs is not the only piece of the puzzle. When water causes damage, an insurance claim should be made as soon as possible.

Filing an insurance claim because of unwanted water can be complicated. The first step is knowing the difference between a water damage claim and a flood damage. This information is crucial to the policyholder because it determines what is covered and what is not.

The distinction between a water damage claim and a flood damage claim can best be defined by the Federal Emergency Management Agency’s (FEMA) 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 simplify the matter, if the water that caused the damage occurred from a natural source and any neighbors are experiencing the same water issues, it is safe to say the situation is a matter of flooding. 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 overflowing bathtubs, broken toilets, burst water mains, and broken pipes are all grounds for water damage claims that should be filed by contacting your home insurance company.

Working through the process of filing both a water damage claim and a flood damage claim can be tricky and seem overwhelming. SERVPRO offers a Contents Claim Inventory Service for customers who already have enough stress to deal with. What this service does is provide a detailed and accurate list of all of your belongings. Our Technicians have the experience needed to deliver detailed and accurate reports to insurance companies and help settle claims fast.

If you are experiencing either water or flood damage in your home, SERVPRO of South Brevard can inspect the damage, remove the moisture, and make repairs using state of the art extraction equipment as quickly as possible.

It is important to take immediate action when it comes to both water and flood damage. Refer to our Water Damage Emergency Tips and keep safety as your primary focus. Do not fret, SERVPRO has the ability and resources to go beyond just basic restoration by repairing electronics such as televisions and computers and also dry photographs and documents. Highly trained Water Restoration Technicians are available around the clock for when damage occurs and are only a phone call away.