Storm Damage or Flood Damage, which do you have?

1/31/2020 (Permalink)

Over the last couple years eastern North Carolina has experience both, but how do you know which applies to your property?

The greatest distinction between flood and storm damage is that flood waters generally over spills a natural body or water and covers at least two acres of land that would typically be dry land and storm waters come from above.

In order for water damage to be considered flood damage, it must cover two acres but also has affect at least two properties. Flooding occurs when water overflows a body of water such as:

• Creeks or Rivers
• Dams
• Storm-water channels
• Ponds and Lakes

Damage caused by either flooding or storms can cause severe problems for home and property owners. You should try to plan for, prevent and handle these as soon as they occur. Damage to your property due to storm damage typically originates from causes such as:

• Heavy rain
• High winds
• Hurricanes
• Heavy snow and blizzards
• Tornadoes

Most insurance policies do provide protection from storm damage. However, you will need additional insurance to cover the expenses of flood damage. If own property located in a flood plain, you need to make sure you carry the necessary insurance policy to ensure you have protected your investment.

Remember this, regardless of the source of moisture, the risk of mold damage and any secondary damage caused within your home, that comes from not taking action quickly, can be just as severe.

SERVPRO of Bath is here to help. Give us a call 24/7 at 252-537-3473