Homeowners file insurance claims as soon as their residential properties suffer from flood or water damage. Not all, however, are aware of the fact that these two are different. Various insurance policies, for one, don’t consider flood damage as a form of water damage. Action Restoration, your local experts in flood restoration, differentiates the two in today’s blog post.
The term “flood” refers to a general and temporary condition in which inland or tidal waters inundate either a significant dry land area or at least two properties. In the definition by the National Flood Insurance Program, the inundation may also be due to the unusual and rapid accumulation of surface waters from any source, collapse of land along the shore of a certain body of water, or mudflow.
In such an event, the corresponding damage could be severe to the point that it is possible for a residential property to be destroyed. For the most part, we get to learn the full extent of the flood damage just by how homes are submerged in water.
Defining Water Damage
Water damage, meanwhile, is different from flood damage in that it occurs before water comes in contact with the ground. It is typically covered under homeowners’ insurance, although it is recommended that you read the terms of the policy to determine exactly the kind of water damage it will cover.
Water damage may happen when rainwater during a severe storm damages your walls and floors. It also involves bursting pipes, with leaks saturating an important home component, like the insulation in your attic. Water that enters your home after a hailstorm breaks your windows is also deemed as such.
For your flooding repair needs, trust Action Restoration. Reach out to us and you will get the very best service for all of your restoration care needs with your water damage and mold remediation problems. Call (616) 200-8946 or fill out our contact form to request emergency service.