Is Rain Damage Considered Flood Damage

1. Is Rain Damage Considered Flood Damage?

2. Introduction Although rain damage and flood damage appear similar as they both may lead to water damage to properties, they both are somewhat different with respect to the terms and clauses of typical homeowners’ insurance policies. Water damage is usually caused by plumbing, such as a backup from a toilet, a flooded air-conditioning unit, or an overflowed washing machine, whereas flood damage is generally caused by water from a natural disaster, like heavy rainfall or hurricane. Heavy rains may lead to water damage, without causing flood damage. If your property’s roof is damaged during a storm and rainwater leaks into the home, it is usually regarded as water damage, and not flood damage.

3. Defining flood damage is somewhat complicated. Flood damage is a type of damage to properties that is a direct result of flooding. In other words, it must downpour enough to create either a flash flood or flooding. The situation often occurs when natural disasters like hurricanes produce heavy rainfall in a relatively short span of time. As far as homeowners’ insurance policy is concerned, it does not cover flood damage. Your policy may cover water damage, but it will not pay for the costs pertaining to the flooding event. It’s important to understand that flood damage and water damage repairs are two separate things in relation to insurance. A homeowner must have a separate flood insurance rider to have coverage for flood-induced property damage. Source Link: https://www.quora.com/Is-rain-damage-considered-flood-damage/answer/Benito-Paul-Public-Adjuster?prompt_topic_bio=1