Storm Damage vs. Flooding: What You Should Know

4/7/2022 (Permalink)

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What You Should Know About Storm Damage vs. Flooding

If you're contemplating what insurance coverage you want to purchase for your business, it's helpful to understand the technical differences between flood damage and storm damage. Though the resulting damage to your property and its contents may be caused by water in both instances, your coverage will be determined by the source of the water damage and whether you have the right policy for the event.

Flood Damage

Flooding happens for a variety of reasons, from the overflow of lakes, rivers and streams, water main breaks, storm surges or melting snow and ice. The rule of thumb to remember what constitutes a flood is that the water and resulting water damage must originate from ground level. The floodwaters seep into your building from the surrounding landscape or hardscape on the outside. Water damage caused by floods is only covered if you have a separate flood insurance policy, which is mandated by the government if your business sits in a flood zone.

Storm Damage

Storm damage, on the other hand, encompasses damage caused by wind, hail, rain, or lightning. It includes water damage that happens as a direct result of rain, which often happens in conjunction with wind damage. For instance, if wind rips the shingles off your roof or causes trees to break through windows or the building, it can allow rain to get inside and damage the property, your furniture or equipment. Storm damage is covered under your commercial property insurance policy without any special rider.

Damage Repair and Cleanup

Knowing whether your water damage is caused by a flood or storm is necessary to determine your eligibility for coverage. Cleanup, repairs and remediation efforts can be quite expensive, so making sure you have the proper coverage ahead of time is vital to fully protect your business and commercial property.

Though water damage can disrupt your business and cause you a great deal of stress, understanding the difference between flood damage and storm damage will help you make the right decision when it comes to choosing a policy. Being confident about your coverage ahead of time will take at least some of the worry out of the equation.