water damage?

Understanding the Difference Between Water Damage and Flood Damage

Water-related incidents can cause significant damage to homes, but it's crucial to distinguish between water damage and flood damage, as insurance coverage differs for each.

Water Damage typically originates from internal sources such as burst pipes, overflowing toilets, or a faulty roof allowing rainwater to enter. These incidents are among the most common causes of homeowner claims, with homeowners spending an average of nearly four months away from their homes during extensive water damage events. Standard homeowner policies often provide coverage for such damages, though the extent can vary.

Flood Damage, on the other hand, results from external sources like heavy rainfall, river overflow, or rapid snowmelt, leading to the overflow of normally dry land areas. It's important to note that standard homeowner policies do not include flood coverage. To protect against flood damage, homeowners need to obtain separate flood insurance, often through the National Flood Insurance Program.

To ensure adequate protection, it's advisable to consult with an independent insurance agent. They can clarify your current coverage, explain the differences between water and flood damage, and recommend appropriate policies to safeguard your home and belongings.