Water v. Flood Damage, There's a Difference

11/2/2021 (Permalink)

According to insurance adjusters that determine the degree of damage your property has suffered from and what cost accompanies it, flood damage and water damage fall under different categories. The main differentiator is the source of water that caused damage to the property in question. Water damage is categorized by moisture that originated from inside of the property, from the pipes that back the running water outlets. Flood damage is for water that comes from a natural source like mudslides, accumulated rain runoff, and overflow of tidal waters. Flood damage also includes two or more properties. Flood damage is often a heavier burden to mitigate which is why insurance adjusters follow varying procedures between the two types of damage. 

It is useful to know that flood damage is not covered by your home insurance, only water damage is. Southern California properties are much less likely to suffer from flood damage than that of other regions of the state, but the disaster is still not far from possible. Areas vulnerable to flooding are near beaches, or the mudslide prone foothills, it’d be in your favor to discuss adding flood insurance to your property’s plan. This can be done at www.floodsmart.gov.

Here at SERVPRO it is in our best interest to keep you updated and informed about how you can best prepare for natural disaster damage. For more information, give us a call at (949)429-3188.