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The Difference Between Water Damage and Flood Damage

The Difference Between Water Damage and Flood Damage

Some people mistakenly believe that if they have insurance coverage for water damage that they are also covered for flood damage. They usually discover too late that these two are actually different and they would need to have coverage for both, in case these catastrophes happen. But, what makes water damage different from flood damage?

This mistaken belief is common since it can be confusing to differentiate one from the other given that each is caused by water. There are however huge differences between these two situations, particularly in what makes flood damage different from water damage. All it takes is one question for you to determine if you have water damage or flood damage, and this is, are you the only one experiencing this?

If the answer to the question is yes, then in all likelihood, you have a water damage issue. If more than one person in your neighborhood is experiencing such an issue, then you probably have flood damage on your hands. Water damage is covered by your homeowner’s insurance and repairs, as well as restoration, can be covered by this. Flood damage, on the other hand, can only be covered by flood damage insurance, which is a totally different policy and is not included in your homeowner’s policy.

What to Do When You Experience Water Damage and Flood Damage

When you experience either of these two events, here are the things you need to do in order to have your insurance cover the cost of repairs for each one:

  • Water Damage – when you notice water damage in your home, you have to call a reputable restoration company to ask for an estimate. Next, you need to contact your insurance company to discuss the restoration and repair plan for this damage. Document the damage with pictures and detailed descriptions and wait for your insurance adjuster to inspect the damage. Once you are given the go signal by your insurance company, you can have your home repaired.
  • Flood Damage – when you experience flood damage, the first thing you do after the waters have subsided is to contact your insurance company. Don’t remove anything and don’t clean up. Document the damage by taking pictures and writing down what you see. Wait for an assessor to come over and assess the damage before doing anything. Complete your proof of loss so your insurance company can release funds for repairs and restoration.

Whether you are in need of help for water damage or flood damage, a good restoration company like Romexterra Construction is exactly what you need. At Romexterra Construction, we specialize in water damage restoration, fire damage restoration, and storm damage restoration services in the Greater Chicagoland area. We also handle disaster restoration and mold remediation.

If you are in need of help with your home after a flood or a burst pipe, we are the company to call. Contact us at 312-313-2426 and we will gladly send someone over to give you a free estimate.