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Fire & Water - Cleanup & Restoration

Is It Flood Damage or Storm Damage

3/14/2020 (Permalink)

If your Floyd County building is damaged during a storm you might think that all of the water damage falls into one category.  However, this is not necessarily the case. Flood damage is actually a bit different from other types of damage caused by water. The following are a few distinctions.

Where the Water Comes From

Perhaps the easiest way to determine whether you are dealing with flood damage or other water damage is to figure out where the water is coming from. Generally, if the water comes from above, then it is regular water damage. This can include leaks and broken pipes. If the water is rising up from the ground, then this is always considered flood water.

The Level of Water Contamination

A lot of the water involved in storm damage is considered to be category 1 or clean water. Water from damaged pipes or supply lines also belongs to this category. Flood water, on the other hand, is category 3 or black water. This means that it is highly contaminated and should be avoided. This is because water from a flood mixes with sewage and other contaminants on the ground. Anything that it touches, including home contents, will need to be thrown away or thoroughly sanitized.

Whether It is Included in Your Insurance Policy

Another important difference between damage from a flood and damage from other water sources is that flooding is usually not included in your basic insurance policy. If you want coverage for this type of damage, then you will need to purchase a separate flood policy. Whether you are dealing with clean water or flood damage, you will need to have it taken care for quickly to avoid further damage to your building. Moisture of any type can contribute to weakened materials or mold growth. SERVPRO of Floyd County can remove the water and perform any necessary repairs.

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