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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  • 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 - 10/23/2018 

    Sidra C. AvatarSidra C.

    Greg was super help in guiding me when I called with my frustration of not getting things done with my insurance company. Even though Greg does not practice in Virginia but he was super nice to guide me by spending 20-30 minutes and because of his guidance I was able to get things resolved and I am very happy now. Thank you so much, Greg! - 4/09/2020 

    Willie G. AvatarWillie G.

    Great experience working with Greg at Claim Concepts. Insurance company originally paid me $1400 and after getting Claim Concepts involved we recovered an additional $21,500! My only regret is not hiring them sooner as once they got involved I was relieved of all the stress of dealing with the insurance company and clearly they knew exactly what to do. I highly recommend them to anyone with a claim. - 10/23/2017 

  • Duane M. AvatarDuane M.

    I highly recommend claim concepts. Greg was extremely pleasant to deal with, yet firm and persistent in getting us the results necessary. I highly recommend them. You won't be disappointed. - 10/23/2017 

    me m. Avatarme m.

    Great effort by Greg and Eric . Really did a fine job for us by collecting the amount needed to repair house. - 10/23/2018 

    Carlos C. AvatarCarlos C.

    Greg helped us out throgh a difficult time with great results. Always kept us informed throughout the process. - 7/09/2017 

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