Flood Damage or Water Damage Claim?

The difference between a flood damage and water damage claim is more than you would think.

Water damage or flood damage claim?

Water damage to drywall with suspected microbial growth.

Flood Damage Claims and Water Damage Claims may look similar as to the damages but the way the claim is handled is very different.  As a matter of fact the insurance company that you will file the claim with will most likely be different depending on if you have a flood damage or water damage claim.

I felt the urge to write this post today as we receive many calls where insureds use words to describe their loss that make sense but in the insurance viewpoint they can create confusion.  If you have a water loss due to a plumbing problem, leaking window or roof leak these are considered Water Damage Claims.  The definition of a “Flood” as defined by the NFIP or National Flood Insurance Program is:

” A general and temporary condition of partial or complete inundation of  two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder’s property) from one of the following:

  • Overflow of inland or tidal waters
  • Unusual and rapid accumulation or runoff of surface waters from any source
  • Mudflow
  • Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above

This definition is strictly held to, if it does not completely meet the definition your claim will be denied.  If you have a claim where you think it may be a Flood I recommend you contact one of our adjusters or another reputable public adjuster immediately to evaluate the situation and recommend which insurance policy the claim should be filed with.

Flood insurance is relatively inexpensive for the coverage that it provides.  When a flood happens it causes significant property damage.  According to the NFIP a relatively small flood with only 1 inch of water to a 2000 square foot home will cause approximately $20,920 in damage on average and if there is 1 foot of water this figure goes up to $52,220.  Of course these are averages but they do show the significance of damage that can be caused by a flood. Most people feel that they only need flood insurance if the are in a “Declared Flood Zone”, this is not accurate as floods can and do happen all throughout the Country.  If you are in a “Flood Zone” you may ‘Need’ this insurance for your mortgage and of course you will pay a bit more for it but in my opinion EVERYBODY should have it or at least understand the risks of not having it.

 


 

 

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  • Patsy B. AvatarPatsy B.

    Greg was super professional and helped me do battle with a very reluctant insurer (Peoples). Our damage claim was fair to both sides, and was very happy Peoples finally saw it that way. Greg was on time for appointments and kept in excellent communication. I would not hesitate for a moment to recommend him to family and friends and use in future-- God forbid--if I had insurance problems or damage to my home - 10/02/2019 

    Laura M. AvatarLaura M.

    Greg and Eric made a terrible situation with my insurance company tolerable. They were able to get a fair loss layout so I can restore my home after slab leaks. Thank you both for all of your help. You guys are great - 10/02/2019 

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    Absolutely wonderful service. I was very pleased with the outcome and the service I received was above my expectations. I will recommend them to anyone in need. - 2/02/2020 

  • Steve L. AvatarSteve L.

    I was very impressed with the level of service I received from Claims Concept. Greg, Jesse, and Eric were very professional and took the time to explain and handle the entire process. I highly recommend Claims Concept! - 1/19/2021 

    Rick P. AvatarRick P.

    Eric & Jesse were great to work with. They were very efficient and kept us updated though out the entire process. They were able to negotiate a satisfactory settlement. Thank you Claims Concepts (Eric/Jesse) for all your help!! I highly recommend Claim Concepts if you ever need a Public Adjuster. - 10/23/2018 

    Laura B. AvatarLaura B.

    Ten Stars all the way!!!Greg and Eric were just what I needed in order to get a fair settlement from my insurance company. They truly care about you and work diligently and quickly to see your claim is settled to your satisfaction. I would highly recommend Claims Concepts. thank you Greg and Eric for all you did for my family - 10/22/2018 

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