Difference between Storm Damage and Flood Damage

8/1/2023 (Permalink)

3 Main Differences Between Storm Damage and Flood Damage

During a storm, there may be damage done to your home or office building. While you may think that all storm damage is the same, this is not always the case. There is one very important distinction that should be made. This is because floods are considered to be a separate issue from other types of water damage that may occur during a storm. The following are a few differences between the two.

1. The Source of the Water

The first difference between storm and flood damage is the source of the water that enters your home or office building. During a storm, leaks can occur, allowing water inside. Even if the amount is significant, this is not considered to be a flood. Flood waters are those that rise up from the ground and enter the building from below. When trying to determine the type of water damage you have, this is probably the easiest way.

2. The Category of Water

Rain is classified as category 1 water, which means that it is clean and will not cause any significant harm to you. While flood waters may have risen because of the rain, they are classified differently. Once the rainwater begins to rise and mix with other sources, such as sewer water, it becomes category 3. This water is highly contaminated and should be avoided. Flood damage will require thorough sanitization.

3. Insurance Coverage

In most cases, water damage is included in most commercial insurance policies and residential homeowner policies. However, most flood damage is not and, if it is, coverage will usually be limited. If there are often floods in the area, it may be a good idea to invest in a separate flood policy to make sure that your property is covered during an emergency.
If your property has been damaged by flooding or anything else during a storm, you will likely need a professional to help.

Contact a local cleanup and restoration company to get your building back to its preloss condition as soon as possible.

We are available anytime day or night! Please call us at 423-245-5552 should the need arise.