The Difference between Water and Flood Damages

Most people will be unable to differentiate between the two kinds of damages, water damages and flood damages. And it’s understandable, considering that they sound similar. However, they are not. Flood damages tend to pose significantly higher risks when it comes to health, and the insurance policies over floods are also different. This is why it is important to understand what exactly both of these are so you don’t face any problems in case you are hit by either one of these damages, so you can deal with them effectively.

The major causes that can result in damages:

Water damages are a category of damages that can be caused by many various things. The term water damage can cover a lot of type of damages. This can be as a result of leaky appliances, burst pipes, and many other sources from the inside of the home. Flooding can occur as a result of several factors such as overflow of water from the sea or lakes, from accumulated runoff water, because of mudflow, and as a result of a collapse on the shores of a body of water, which can cause water to rush forward into your and other people’s homes.

The difference of water and flood damages:

The best way of differentiating the two is that if it’s water damages, only you will be affected, whereas, if it’s flooding, more people will be affected.

The difference in insurance policies:

Water damages are usually covered by the insurance policies. This is why a restoration company should be contacted so they can help you out with the proper insurance policies. However, flood insurance is not always covered by most people’s insurance cover. To get covered, it is important to use an NFIP policy but to do so before any damages.

The different aspects of water and flood damages:

Water damages can be of 3 categories, which determine the safety of the water in question. Category 1 water is considered clean. Water like this can come from taps and can easily be cleaned out using basic steps. Category 2 water is water that can be considered “grey”. This is relatively unsafe and may be contaminated, hence requires some sanitation. Category 3 water is “black” and unsafe. This water is toxic and needs to be sterilised and removed using appropriate techniques by professionals. Flooding is almost always Category 3.

Restoration techniques for damages:

Water damages at category 3 and flood damages require separate techniques such as removal of mud, bleaching, using biocides and antibacterials to clean up the area, and inspection of closed spaces. Some repainting of surfaces and repair of structures may even be required.

Damages that are covered by insurance:

Under a typical plan, you can get insurance if there are burst pipes, electrical fires, water heater explosion, and overflowing appliances. When it comes to flood insurance, you can be covered if you’re flooded by a nearby river, a mudslide or flash flood, and a hurricane.

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