What’s the Difference: Storm Damage or Flood Damage?

4/12/2021 (Permalink)

Flooding can lead to secondary damage if not treated quickly.

The most general distinction between storm and flood damage is that storm waters come from above, and flood waters generally over spills a natural body or water and covers at least two acres of land that would typically be dry land.

Difference Between Storm and Flood Damage

Damage to your property due to storm damage typically originates from causes such as:

• Heavy rain
• Hurricanes
• High winds
• Blizzard and heavy snow
• Tornadoes

Most insurance policies provide protection from storm damage. However, property and homeowners will need additional and different insurance coverage to cover the expenses of flood damage. If own  property that located in a flood plain, you should make sure you carry the necessary policies to ensure you have protected your investment.

Flooding occurs when water overflows a body of water such as:

• Rivers and/or Creeks
• Lakes
• Dams
• Storm-water channels

In order for water damage to be considered a flood, it must not only cover two acres but affect at least two properties. Damage that is caused by either flooding or storms can cause severe problems for property and homeowners. These should and should be planned for, prevented, and handled as soon as they occur.

Regardless of the source of moisture, the risk of mold damage and secondary damage within your home, which is caused by not taking action quickly, can be just as severe.