Are Storm Damage and Flooding the Same?

8/18/2022 (Permalink)

Flooded building in Fountain, TN

Storm Damage vs Flood Damage

Torrential rain, golf ball sized hail and high winds invade your business in Fountain City, TN. These events cause water damage inside your property. There is flooding on the ground floor, so is this considered flood damage? Or is it storm damage because the storm caused the flooding? You are not alone if you find this confusing. Read below to understand the difference between the two.

Flood Damage

To an insurance company, there is a clear-cut difference between water damage caused by a flood and water damage caused by a storm. If you have flood insurance for your property, the following indicates that it will likely cover the damage:

• Your business and at least one other property (or two or more acres) are normally dry but are suddenly and temporarily flooded.
• A natural source causes the floodwaters, such as a hurricane storm surge or mudflow. Any other sudden accumulation of water rising up into your commercial property is considered a flood, including heavy rainfall that saturates and seeps up from the ground into homes or businesses.
  
  

Storm Damage

Storms cause a myriad of problems, not limited to water and wind damage. The following are common types of commercial problems caused by a storm:

• Heavy winds, rain, or hail may crack or stress the windows, foundation, or roofing material, leading to water getting in. When the water damage is caused by falling rain that does not rise up from the ground into your property, it is considered caused by the storm even if the result is floodwater inside your business.
• The damage from winds, rain or other events only impact your business, not necessarily the surrounding areas.
  
  

Whether storm damage or flood damage ravages your commercial property in Fountain City, TN, storm and water restoration specialists are your first line of defense. Depending on the cause of damage and your specific policy, your commercial insurance may or may not provide coverage.