Storm Damage vs. Flood Damage: What’s the Difference?
Storm damage and flood damage are often confused, but insurers typically classify them differently. Understanding the distinction can help streamline your insurance claim.
| Storm Damage | Flood Damage |
|---|---|
| Water enters through the structure | Ground-level water rises and inundates the property |
| Usually caused by heavy rain, roof failure, hail, or wind | Usually caused by overflowing drains, rivers, or flash flooding |
| Typically covered under standard home insurance | Flood cover may require an additional policy inclusion |
| Often affects ceilings, walls, and internal spaces | Usually affects flooring, subfloors, electrical systems, and foundations |
Our team can assess the source of the damage, document everything correctly, and help support your insurance claim process.