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Fire & Water - Cleanup & Restoration

The Difference Between Flooding and Storm Damage

6/16/2018 (Permalink)

You may think of flooding and storm damage as the same thing – but your insurance company doesn’t agree. When a storm leaves your Chattanooga, TN premises completely flooded, what’s the difference between flood damage and storm damage?

Understanding Storm Damage

Storm damage is generally damage caused by anything other than flooding, but still associated with thunderstorms, hurricanes, and tropical storms. Storm damage can include:

• Wind damage, such as torn roof shingles
• Damage from falling or flying debris, such as smashed windows or exterior damage
• Other structural damage caused by the storm, such as if a tree falls onto your roof

Most of the time, storm damage is covered by your general commercial property insurance policy – but flood damage is not, and requires a separate insurance policy.

Understanding Flood Damage

Flooding can happen from storms, earthquakes, tsunami, even from burst city water mains. Flood damage generally comes from an exterior source in order for it to qualify as actual flood damage, and involves the destruction caused by rising water entering your building, smashing against it, or depositing debris that may cause harm to your building.

So Are Burst Pipes Considered Flood Damage?

No. Burst pipes and other interior water issues are part of typical commercial property damage. Even if your building ends up flooded because the pipes burst and ran for hours, that’s still not considered flood damage. Flood damage is only actually flood damage if it is caused by a natural disaster.

Whether you’re dealing with flooding or property damage from burst pipes, though, you’ll likely need the help of a remediation specialist. Flood and storm remediation companies specialize in recovering your property from the damages caused by natural disasters or building problems, and can first mitigate the problem and then work with you on restoration, repair, and refinishing. Visit http://www.SERVPROnorthchattanooga.com for more information on storm damage. 

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