What is the difference between flood and water damage?

Updated on September 17, 2022

The damage can be similar, but the cause is different.

Water damage is usually caused by water coming from something like a burst pipe, an overflowing toilet, a dishwasher that leaks all over the kitchen floor, or a roof that leaks after a hard rain.

Flood damage is caused by water coming from something like an overwhelmed levee that breaks, a clogged drainage system, a river or lake that overflows, or even just the ground being inundated with too much water after a torrential storm. Water seeping into your basement after heavy rain or winter runoff is usually also considered flood damage.

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