In general, water damage occurs before the water comes into contact with the ground. On the other hand, flood damage occurs due to excessive buildup on the outside of a building. Destruction caused by a flood also usually affects two or more properties, while water damage usually occurs on a single property. Defining what constitutes flood damage is a little more complex.
In general terms, flood damage is damage to the home as a direct result of a flood. In other words, it must rain enough to create a flood or flash flood. This can occur during a natural disaster or a hurricane that produces heavy rainfall in a short period of time. It can also happen when you don't have an adequate slope for stormwater runoff around your home or when a rain or storm control basin overflows near you.
Household insurance generally covers water damage that results from a broken appliance. The key word in this case is “accidental. If the overflow was accidental and sudden, you probably have coverage, since the damage wasn't the result of negligence. An overflow of a body of water, such as a river or lake, that causes a flash flood in your home is not likely to be covered.
This is considered flood damage, which is usually not covered by homeowners insurance. Depending on the severity of the damage and the time it takes to discover and control the water source, the situation may be less. 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.
Those who live near a body of water or in areas with extreme climates are at special risk of flood damage. Total Restoration of Texas offers five-star water damage restoration and drying services in Austin and Central Texas. This damage tends to occur when a pump fails or a sewer, gutter, or drain recedes and forces water into your property. Any sudden and unexpected water damage caused by a broken pipe, a plumbing malfunction, or a leaking pipe in the wall can be covered by homeowners insurance.
If you make no attempt to control the damage, your insurance provider may not approve your water damage claim. If the roof of your home is damaged during a storm and rainwater seeps into the house, it is generally considered water damage, not flood damage. Many homeowners and business owners don't realize that flood insurance and water damage insurance are two different things. If extinguishing a fire caused water damage to your home, you may want to consider filing a claim with your insurance provider.
It's important to understand the differences between water damage and flood damage and make sure you understand your insurance coverage in both cases. Water damage caused by a failed pump or a clogged drain is one of the most common homeowner claims. Water damage isn't always covered by your homeowners insurance if it's not the result of an accident or a sudden and unexpected event. In this situation, the floorboards could bend and water could damage the ceiling or walls of the floor below if it seeps through the floor.