Whether it’s stormy skies or malfunctioning appliances; moisture damage of any kind is disastrous for any property owner. But there’s a distinction between water damage and flood damage that most people don’t know about. While water damage is the result of an internal source and is usually less hazardous, flood damage always happens from outside and requires a separate insurance program for repairs. If you’re curious to learn the difference between the two types of property trauma, the following blog is the right one for you.
- Understanding Water Damage: Source, Insurance & More
Most people experience water damage at some point in their lives, whether it’s from a faulty appliance or a sewage back-up. though this term is used interchangeably with ‘flood damage’, these are two distinct types of property damages. Here is everything you should know about water damage.
Read along for an in-depth look at water damage.
- The Source
the first thing that you need to understand is that water damage is always the result of an internal issue. The most common reasons for water damage are leaky pipes, pipe bursts, overflowing bathtubs, running toilets, HVAC malfunctions and leaky washers.
- Insurance Coverage
water damage is usually the main reason that most homeowners apply for home insurance. It is covered under Coverage A and C. This means that any flooded basements or bathroom disasters are usually fixed without having to pay hefty repairs out of your pocket.
| NoteSump pump malfunctions may require indorsements for insurance claims |
- Disaster Scope
Water damage is usually localized, with a single room in a household or commercial property being affected. Unless it’s an issue with the main sewer lines, the damage isn’t that widespread or extreme.
- Water type
The water from burst pipes and faulty appliances is usually clean; often categorized as type 1 or 2. However, it can become toxic or hazardous in case it was a burst sewer line or a toilet that lead to the flooding.
- Clean Up Process
The clean up process for a water damaged property is usually pretty straightforward; consisting of extraction, dehumidification, sanitization and property restoration. Most of the time, it isn’t hazardous, though it could lead to mold if put off for too long.
- Delving Into Flood Damage: What Sets It Apart
With us so far? Wonderful! Now, flood damage, on the other hand, is completely different. It’s usually the result of a natural disaster and affects large areas and causes extensive damage. most people never experience it. Here’s a deeper look to help you distinguish between the two more clearly.
Read along as we explain each aspect of flood damage.
- The Source
Unlike water damage, the cause of flood damage is always external—usually the consequences of natural disasters. Think overflowing rivers and lakes, hurricanes, flash floods and inundated canals.
- Insurance Coverage
Most people don’t know this, but flood damage isn’t part of the standard home insurance policy. It requires a different program known as the NFIP. Homeowners in areas prone to floods need to apply for it separately to prevent financial bankrupcy.
- Disaster Scope
The scope of a flood-related disaster is always extensive, with multiple neighborhoods, cities and communities being impacted. It can have everything from mud to sewage and all sorts of nasty material, which is why floods usually lead to pest invasions and health issues.
- Water Type
Since floods cause extensive damage, they tend to pick up a lot on the way. The water type is category 3—black water—and carries bacteria, sewage toxins and debris. The materials alone can increase the extent of the damage.
- Clean Up Process
The clean-up process of a flood-related incident is long and extensive; involving sewage management, hazardous waste material clean-up and reconstruction. if left unattended for too long, it can even require mold damage restoration services.
- Conclusion
To conclude, water damage and flood damage are two distinct types of property trauma, though most people tend to mix them up. While water damage is the result of things like malfunctioning sump pumps and overflowing bathtubs, flood damage is always the result of heavy rains and overflowing rivers. Water damage has the potential of being benign, while flood damage is always destructive and requires extensive restorations. We hope this blog was able to help you understand the differences between the two. For more information or questions, please feel free to ask.
- FAQs
Why is it important to know the difference between the two?
It’s important because mistaking flood damage for water damage can lead to insurance claim delays and rejections.
Is flood damage insurance expensive?
It depends. If you’re located in an area less likely to receive flooding, it’ll be cheaper than in high-risk areas.
What should I do in case of flood damage?
You should evacuate the area if possible, turn off electricity and avoid contact with the water.