Both Water damage and floods cause homeowners to file insurance claims. Not all, however, are aware of the fact that these two are in fact different. Various insurance policies, for one, don’t consider flood damage as a form of water damage. Elements of Restoration, your local experts in flood restoration, discusses the two in today’s blog post.
Defining Texas Floods
The term “flood” refers to a general and temporary condition in which inland or tidal waters inundate either a significant dry land area or at least two properties. In the definition by the National Flood Insurance Program, the inundation may also be due to the unusual and rapid accumulation of surface waters from any source, collapse of land along the shore of a certain body of water, or mudflow.
In such an event, the corresponding damage could be severe to the point that it is possible for a residential property to be destroyed. For the most part, we get to learn the full extent of the flood damage just by how homes are submerged in water.
Defining Water Damage
Water damage, meanwhile, is different from flood damage in that it occurs before water comes in contact with the ground. It is typically covered under your homeowners’ insurance, although it is recommended that you read the terms of the policy to determine exactly the types of water damage they will cover.
During a severe storm, rainwater may damage your walls and floors. As a result of broken pipes, leaks can saturate an important component of your home, such as the attic insulation. Water that enters your home after a hailstorm breaks your windows is also deemed as such.
For your flooding repair needs, trust Elements of Restoration. Serving the Lakeway and West Lake Hills area along with Hutto and Austin. Reach out to us and you will get the best for all of your restoration care needs with your water damage problems. Call (616) 200-8946 or fill out our contact form to request emergency service.
