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Fire & Water - Cleanup & Restoration

Water Damage vs. Flood Damage

8/21/2020 (Permalink)

flooded street Whether you've experienced water damage or flood damage to your property, SERVPRO of Richardson can help with commercial water damage restoration.

When severe storms or floods occur in Richardson, buildings can quickly experience water damage and mold growth. Here’s what you need to know about between water damage vs. flood damage. 

The Main Issue with Water vs. Flood Damage

Why does the difference between water damage and flood damage matter anyway? Well, the main issue boils down to your insurance coverage. Water damage is often covered under a homeowner’s insurance policy. But getting financial help for flood damage requires a separate insurance policy for floods. 

For commercial buildings, flood insurance is critical. If your business is experiencing water damage from a flood or storm, our Richardson commercial water restoration services can help. 

What is Considered Flood Damage?

For flooding to be considered a “flood” in an insurance company’s eyes, the flooding has to occur on at least two properties, or across two acres before coverage kicks in. 

But water ingress that happens from a severe storm, a pipe breaking, or from a broken window would be considered water, not flood damage. Our Richardson commercial storm damage restoration services can help commercial property owners clean their buildings after water damage from a storm has occurred. 

What Water Damage is Covered Under a Homeowners Policy

Homeowner’s insurance policies typically cover certain types of water damage. However, it’s critical that you read the fine print. Water damage from storms, broken pipes, leaky roofs, or other forms of water ingress is typically covered. But water damage that extends to the yard, like a pool leaking, isn't covered. Also, insurance won’t pay for water damage from neglect or deferred maintenance. 

Be Aware of Denied Claims for Water Damage vs. Flood Damage

A claim denial for either flood damage or water damage can result in increased premiums and rates. If you experience water damage or flood damage, look over your insurance policy carefully to make sure you’re covered for either type of damage. Making a claim for something that isn’t covered, resulting in a claim denial, can look bad to the insurance company. 


Here at SERVPRO of Richardson, we specialize in water and storm damage restoration. Fixing water damage fast prevents mold growth and increases the lifespan of your building. If you’re dealing with either water damage or mold growth, don't hesitate to contact us online or call us at (972) 690-1414 for experienced water damage and mold remediation.

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