When disaster strikes your property, one of the first things homeowners want to know is whether the damage is classified as water damage or flood damage—and it’s not just semantics. Understanding the difference can impact your insurance claim, restoration process, and how quickly you can recover your property.
What is Water Damage?
Water damage typically results from internal issues such as:
- Burst or leaking pipes
- Overflowing sinks, tubs, or toilets
- Appliance malfunctions (like washing machines or dishwashers)
- Roof leaks during rainstorms
These events are often sudden, accidental, and confined to a specific area of the home.
What is Flood Damage?
Flood damage, on the other hand, is defined by FEMA as:
“An excess of water on land that is normally dry, affecting two or more acres or two or more properties.”
Flood damage usually stems from:
- Heavy rainstorms
- Overflowing rivers, lakes, or oceans
- Storm surges during hurricanes
- Rapid snowmelt
Unlike water damage, flood damage is not typically covered under standard homeowners insurance and requires a separate flood insurance policy.
Key Differences in Coverage and Restoration
| Feature | Water Damage | Flood Damage |
|---|---|---|
| Source | Internal (plumbing, appliances) | External (natural disasters) |
| Insurance | Covered by standard home insurance | Requires separate flood insurance |
| Restoration Approach | Localized drying, repair, and cleanup | Large-scale water removal, mold prevention, and structural repair |
Why It Matters to Orlando Homeowners
In areas like Orlando, Florida where summer storms and hurricanes are common it’s crucial to understand your home’s risk factors. Whether you’re a long-time homeowner or working with a custom home builder in Orlando Florida, proper drainage, elevation planning, and waterproofing are key factors in minimizing both types of damage.
Partnering with reputable custom home builders in Orlando FL can help ensure that your home is built to withstand Florida’s unique weather patterns from day one.
Need Help After Water or Flood Damage?
At Property Fixology, we specialize in fast, reliable restoration services that help Florida homeowners recover quickly and safely from both water and flood damage. Our trained experts assess the extent of the damage and develop a customized plan to restore your home—no matter the source.
Don’t let damage define your property—call Property Fixology today for expert help in Orlando, Florida.
