Water damage is a type of destruction that occurs before the water comes into contact with the ground. It is usually caused by a broken appliance, a plumbing malfunction, or a leaking pipe in the wall. On the other hand, flood damage is caused by excessive buildup on the outside of a building and usually affects two or more properties. It can occur during a natural disaster or a hurricane that produces heavy rainfall in a short period of time.
When it comes to insurance coverage, water damage that results from an accidental and sudden overflow is usually covered. However, if the overflow was not accidental or if it was caused by a body of water such as a river or lake, it is considered flood damage and is usually not covered by homeowners insurance. Those who live near a body of water or in areas with extreme climates are at special risk of flood damage. It's important to understand the differences between water damage and flood damage and make sure you understand your insurance coverage in both cases.
It's also imperative to understand the amount of coverage provided and the deductible required for water and flood damage. Your insurance adjuster will determine if you could have reasonably prevented this water damage from occurring. If you make no attempt to control the damage, your insurance provider may not approve your water damage claim.Total Restoration of Texas offers five-star water damage restoration and drying services in Austin and Central Texas. If extinguishing a fire caused water damage to your home, you may want to consider filing a claim with your insurance provider.
It is also important to have an adequate slope for stormwater runoff around your home or when a rain or storm control basin overflows near you.
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