The Important Differences Between Flood and Storm Damage

5/11/2022 (Permalink)

Learn the Crucial Differences Between floods and Storms

Water damage can cause plenty of trouble for your Maple Grove, MN business location. While you can thankfully rely on solid insurance and repair plans, they may not always apply to every water-related incident. Flood damage may carry different insurance demands or solutions than destruction caused by a storm. It may be in your best interest to learn the crucial differences between floods and storms to find the most effective answer for the problem.

Damage Created by Floods

Flooding is commonly associated with accumulated water from excessive rain and storms. While most floods emerge as their aftermath, not every flood is created by a storm. For instance, a flaw in your commercial building's plumbing system can lead to a water leak. When that leak is ignored, it builds up until it creates a water surplus. Overflowing water from nearby lakes, rivers or other sources can also create a flood.

Damage Created by Storms

Even though you might associate storms with an overabundance of water and flood damage in general, they can create other destruction not directly associated with pouring water.

• Strong winds
• Debris and dangerous objects
• Lightning damage
• Water from defective drains or gutters
  
  

Storms have plenty of other elements at play, so you can expect multiple damage sources besides just extra water. As you hire emergency restoration services, consider all the water and non-water damage on the property.

Why the Difference Matters

Learning the different origins of the water damage can play a significant role in how much insurance you can claim. Most commercial buildings have an insurance plan that covers storm damage and its various sources. However, they often do not cover floods or offer very limited coverage. Look for the right policy that includes flooding or consider getting a separate plan that includes it.
Even though some property owners interchangeably use storm and flood damage, they are not the same. Knowing the difference ensures you receive the right repair treatment in Clearwater, MN and get the correct insurance policy.