By: Steve Broughton5 min read
The definition of flood waterYou may think that the difference between flood damage and water damage lies in whether the water is from a natural source such as a river or rain, or whether it is an issue with your plumbing. Most insurance companies define flood water as water that has come from a rising and overflowing of a body of water onto dry land. The term “rising” is key here, covering water that comes from an overflowing river or sea, for example, but not from a leaky pipe or sink.
The definition of water damageWater damage is a much broader definition, and essentially covers every other instance of water ingress that does not involve rising water. It is usually caused by problems within the building itself, such as a leaky roof or a broken washing machine. It’s important to perform regular maintenance on your home or building to prevent water damage that could otherwise be easily avoided.
So, which is which?Here are some examples to explain the difference between flood damage and water damage:
- Rain that floods your basement because it can’t be absorbed by the ground is flood damage
- A river that breaks its banks and flows into your home is flood damage
- A kitchen that floods because of a burst pipe is water damage
- Rain that enters your house through a leaky roof is water damage