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Water Damage vs Flood Damage: Learn the Difference

All of the best restoration companies in Alpharetta know time is never on your side when it comes to water damage or flooding. A quick and effective response is always needed. Unfortunately, there’s no one approach that’s appropriate in every situation. Water damage and flood damage are distinct, and it’s important to take those differences into consideration. They’re typically not covered by the same providers, and the process of remediation is often quite different between the two.

Water Damage

One of the first things homeowners do after they spot water damage is call their insurance company. Fortunately, in the case of water damage, homeowner’s insurance usually will cover the repairs. Of course, it’s still a good idea to contact your insurance provider and the best water damage restoration company as quickly as possible. Water damage tends to worsen over time. A minor issue could easily become more serious as time goes by. Most homeowner’s insurance requires the water damage to be something that the homeowner couldn’t have prevented. General maintenance issues or repairs that have been ignored may not be covered. You could be dealing with an out-of-pocket expense in those cases.

As far as insurance companies are concerned, water damage occurs when it’s an isolated problem and doesn’t involve multiple properties. An example would be a leaky roof due to a fallen limb, or an overflowed toilet. The damage isn’t due to a natural disaster, and it’s limited to your residence alone. In cases where you’re dealing with a creek or river overflowing and multiple homes or businesses are impacted, you’re looking at a flood instead. Flood damage is handled differently, and it typically isn’t covered under homeowner’s insurance.

Flood Damage

When it comes to flooding, you’ll be dealing with the National Flood Insurance Program, not your homeowner’s insurance. Generally, this means that two or more acres have been flooded or the water has saturated multiple properties. Those properties could be residential, commercial, or a combination of both. A mudslide is generally covered under flood insurance as well.

In the case of flood damage, you’re generally going to be looking at more than a patch job for your roof or a leaky faucet. Homes can be moved from their foundations by flooding, and catastrophic damage can occur. In rare cases, the home may be a complete loss, or a business may not be able to reopen. Standing water also increases the risk of disease, so public health becomes a concern.


As you can see, restoration services in water damage and flood cases tends to differ considerably. A malfunctioning dishwasher is usually much easier to remedy than damage caused by a tidal wave. Making the right phone call is only the first step. Restoring your home to its previous condition may take hours or months. Unfortunately, in some instances, it may be impossible. A flood can be utterly disastrous for homes and businesses alike, but even minor water-related problems should be tackled quickly to avoid more serious harm.

It can be tempting to think that all water damage is the same, but that simply isn’t true. While your homeowner’s insurance is capable of aiding you with a variety of common issues, a hurricane or tsunami is typically beyond their scope or ability. Always ask questions and get clarification. If you’d like to learn more about water damage in Alpharetta, speak with the experts at Integrity Restoration & Remodeling Contractors.