The 411!

8/31/2021 (Permalink)

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Would you be shocked, to learn today, that flood damage is not considered a form of water damage?  “What?” “How?” or “Why?” are probably all the questions going through your head right now. You’re not alone though.

Homeowners/business owners sometimes don’t know or realize that water damage and flood damage are 2 different kinds of coverages. It’s important to know that if you own a home but do not have flood insurance, you will not be compensated by your insurance company for flood damage.

We’re going to break down some components for you here and explain some causes and key items your insurance WONT cover in the event of either flood or water damage.

Water Damage:

Potentially covered by homeowner’s insurance. Affects only your home.

• Common causes:
  • appliances, busted/frozen/leaking pipes, bathtub/toilet overflow
• Key items not covered:
  • Repair of the source of the leak (i.e. washing machine)
  • Flood damage

Flood Damage:

Potentially covered by flood insurance. Rising water OUTSIDE the home as well. You and your neighbors where effected (2 or more properties)

• Common causes:
  • Body of water overflow
  • Heavy constant rain
• Key items not covered:
  • Outside Property (trees, fences)
  • Vehicles

Get in contact with your insurance to get a personal breakdown, if you’re facing water damages. They can determine if for your scenario, you’d be covered.