Key Difference Between Water and Flood Damage in your Dutchess County home

10/30/2019 (Permalink)

Know the differences between water and flood damage and make sure to know what your insurance covers and doesn't!

While “water damage” and “flood damage” are terms often used interchangeably, they actually have some key differences that are important as you begin the recovery process. While all Dutchess County water damages should be treated quickly, being aware of the cause of the damage will help tremendously as you begin restoration. 

We’ve laid out the differences between flood and water damage, and have included some tips on how to stay protected from each type. 

What Is a Flood? FEMA defines a flood as a temporary event that results in partial or complete water coverage on an area consisting of at least two acres or across at least two properties. If the water is caused by any of these sources, the chances are high that you’re dealing with flood damage: 

* excess of inland or tidal waters

* any source of runoff or surface water that has accumulated quickly

* mudflow

*a collapse of land as a result of erosion or undermining, caused by excessive waves or currents that result in a flood 

What Is Water Damage? Water damage and flood damage may seem quite similar, but their differences lie in their sources. You may have water damage instead of flood damage if: 

* you are the only person affected * the water source is from inside your home * the water does not come from any sources listed above 

If these factors apply, you may be dealing with water damage instead of flood damage. However, if two or more properties are involved or a large portion of your land is affected, you may be dealing with a flood instead. 

Protect Against Water and Flood Damage Regardless of whether the damage is classified as being from a flood or from water, homeowners want to do their best to protect against it. Some of the ways you can do this are: 

* Check areas prone to water damage regularly—basements, attics and bathrooms to name a few.

* Understand the flood alert system to be aware of your risks. 

* Be aware of the types of flood insurance available to you, as it is typically not included in homeowner’s policies 

If you’ve been affected by flood or water damage, we are here to help you.  Call us 24/7 to get an immediate response to your restoration needs.