Know the Differences between Flood Damage and Water Damage SERVPRO® of Kingston/New Paltz

10/31/2019 (Permalink)

There are distinct differences between flooding and water damage. Speak with your insurance agent ahead of time to determine what coverage you need!

While the terms “water damage” and “flood damage” are terms often used similarly, the truth is they have some differences that are important to know in remedying the damage. While all water damage situations should be treated quickly, knowing the cause of the damage will help tremendously as you begin restoration in your Kingston, Saugerties, Highland and New Paltz homes. 

-What Is a Flood? FEMA defines a flood as a temporary event that results in partial or complete water coverage on an area consisting of at least two acres or across at least two properties. If the water is caused by any of the sources below, the chances are high that you’re dealing with flood damage: 

-Any source of runoff or surface water that has accumulated quickly

-Mudflow

-Excess of inland or tidal water

-A collapse of land as a result of erosion or undermining, caused by excessive waves or currents that result in a flood. 

What Is Water Damage? Water damage and flood damage may seem quite similar, but there are distinct differences. You may have water damage instead of flood damage if: 

-The water source is from inside your home

-You are the only person affected

-The above list isn’t the source of the water

If these factors apply, you may be dealing with water damage instead of flood damage. However, if two or more properties are involved or a large portion of your land is affected, you may be dealing with a flood instead. 

-It’s important to speak with your insurance agent BEFORE there is a water issue of any kind so you are clear what coverage you have and don’t have.

Protect Against Water and Flood Damage Regardless of whether the damage is classified as being from a flood or from water, homeowners want to do their best to protect against it. Some of the ways you can do this are: 

* Check areas prone to water damage regularly—basements, attics and bathrooms to name a few.

* Understand the flood alert system to be aware of your risks 

* Be aware of the types of flood insurance available to you, as it is typically not included in homeowner’s policies. 

If you’ve been affected by any type of flood or water damage, we are here to help. Our trained technicians are ready to respond 24/7 so we can make it Like it never even happened.