To Insurance, Is It Flood Damage or Water Damage?

7/27/2019 (Permalink)

Knowing if it’s flood damage or water damage makes all the difference in making your insurance claim

To an insurance company, there is a very big difference between what’s considered flood damage and what’s considered water damage. Your basement has flooded but is that considered a flood or will they consider that water damage? 

Floods are caused by nature and generally effect more than one home (there are exceptions for large rural properties). Everything else, from broken pipes to leaking HVAC equipment, to drains not working properly, is water damage.

While most homeowners insurance policies cover water damage, not all policies cover flood damage. So it’s important to be very clear with your insurance company about which type of damage your home has experienced so that they can guide you to the right forms and provide you with the right coverage. If you aren’t clear you may not only receive the wrong forms but may also have your claim denied. 

If you experience flood damage or water damage then give us a call at SERVPRO of Burlington at 336-379-1772. We are here for you 24/7 and 365 in order to assist you with restoration. We also photograph the damage for you so that it is recorded for you to provide to your insurance company.