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Fire & Water - Cleanup & Restoration

3 Ways Flooding Differs From Storm Damage

5/18/2021 (Permalink)

A person standing on a water extraction machine. Flood damage to a facility in Park Meadows, CO.

Heavy storms are known for causing widespread damage around Park Meadows, CO. High winds can strip tiles off your roof while hail and impact damage can devastate your building. However, flood damage is the costliest and can wipe out entire neighborhoods.
Floods are especially problematic since most businesses fail to carry a special flood policy. Standard commercial insurance policies only cover water and storm damage – not floods – so if you’re in an area considered high risk, you better carry both types.

What’s the Difference?

Flooding is quite different from damage caused by storms. While storms certainly cause floods, floodwater is separated for three main reasons:

  • Different insurance coverage
  • Different kind of water
  • Different degree of damage

This means your insurance and restoration companies will handle each type differently. A flood will be handled by your flood insurance company (typically the NFIP program), while other types of damage – including standard water damage – will be handled by your commercial insurance provider.
Fortunately, all types of storm and flood damage are handled by the same storm restoration experts. They’ll explain the different types of damage as well as examine your insurance coverage. The most important thing is to get the water out as fast as possible since it’s causing damage over time. SERVPRO is Faster to Any Size Disaster!

Why Is Flooding Often Worse?
A flood is defined as water that covers more than one property. Unless you can trace the water to its source and ensure that it’s from a clean water pipe break – and picked up no toxic material on the way – it’s going to be considered dangerous. Bacteria from fecal matter and harmful chemicals are routinely mixed into floodwater, creating a whole new level of disaster.
Everything a flood touches must be replaced or disinfected. Absorbent construction materials often must be torn out and the restoration company may have to make a flood cut to remove destroyed wallboard. It’s a job that requires experts and often customers and employees won’t be allowed back in until professionals have inspected the area.
While storms cause floods, flood damage is treated quite differently. Either way, it’s best to consult with experts about how to handle it.

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