Water Damage vs. Flood Damage: What’s the Difference?

11/7/2024 (Permalink)

When disaster strikes, homes and businesses can be affected by various forms of water intrusions, but not all water damage is the same. One key distinction is between water damage and flood damage, two terms that are often used interchangeably but with distinct differences. Understanding this can help you with insurance claims, property restoration, and preventative measures. Let's break down these differences and see how SERVPRO of Flagler County can be your trusted partner in navigating any type of damage. 

What is Water Damage?

Water damage typically refers to issues that come from internal sources like:

• Leaking or burst pipes
• Faulty appliances (like dishwashers, water heaters, washing machines, etc)
• Overflowing sinks, bathtubs, or toilets
• HVAC condensation or malfunctioning air conditioning units

Water damage is usually contained within the building, though it can spread quickly. One advantage of water damage claims over flood damage is that they are typically covered under standard homeowner or property insurance policies (depending on the specifics of your policy.) However, it is still essential to address the issue promptly to prevent secondary damage such as mold growth, warped materials, and structural weakening. 

What is Flood Damage?

Flood damage, on the other hand, comes from external water sources, generally due to natural events such as:

• Heavy rain or tropical storms causing rising water levels
• Overflowing rivers or lakes
• Flash flooding from storm runoff
• Storm surges, especially in coastal areas

Flood damage is specifically defined as water that rises and enters your property from an external source. Unlike water damage, flood damage isn't covered by standard insurance policies. Instead, it requires a separate flood insurance policy, often provided through government programs such as the National Flood Insurance Program. Understanding the difference is crucial when reporting claims, as misclassifying flood damage as water damage could result in denied coverage. 

How SERVPRO of Flagler County Can Help With Water or Flood Damage 

SERVPRO of Flagler County has the experience, equipment, and expertise to handle both water and flood damage restoration. Our team is trained to provide a quick and efficient response, aiming to minimize disruption and restore your property to its original condition. Here's how we can assist with each type of damage:

1. Rapid Response and Assessment 

• Whether it is water or flood damage, our team responds swiftly, assessing the source and extent of the damage 
• We use advanced technology like moisture meters and thermal imaging cameras to detect hidden water and ensure thorough drying. 

2. Water Extraction and Drying 

• Using industrial-grade pumps and vacuums, we extract standing water and then process it with powerful drying equipment to remove any remaining moisture 
• For flood damage, we have specialized techniques for managing contaminates, as floodwater is often mixed with dirt, sewage, and other hazardous materials 

3. Cleaning and Sanitizing 

• After flood damage, thorough cleaning and sanitizing are crucial due to potential exposure to harmful bacteria or chemicals in the water 
• SERVPRO of Flagler County uses EPA-approved cleaning solutions to disinfect affected areas, ensuring your property is safe for re-entry 

4. Damage Restoration and Repair

• Our comprehensive services include structural repairs and reconstruction, from replacing damaged drywall to installing new carpet 
• We work directly with your insurance provider to simplify the claims process and make it easier for you to recover 

Protecting Your Property from Water and Flood Damage 

Preventive steps can help you safeguard your home or business against both water and flood damage:

Regularly inspect your plumbing and appliances for any leaks or drips 

Clean and maintain gutters, downspouts, and drains to allow rainwater to flow away from the property 

Install a sump pump in low-lying areas that may be prone to water accumulation 

Consider flood barriers or sandbags in case of an impending storm, and ensure you have proper flood insurance if you live in a high-risk area. 

Trust SERVPRO of Flagler County for Comprehensive Water and Flood Damage Restoration 

Whether dealing with a pipe burst or the aftermath of a storm, SERVPRO of Flagler County is here to help you every step of the way. Our team understands the unique challenges of both water and flood damage are dedicated to restoring your property quickly, efficiently, and with minimal disruption. With our industry expertise, advanced equipment, and commitment to customer satisfaction, you can rely on us to help you through any water-related disaster.