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Fire & Water - Cleanup & Restoration

Storm Damage Versus Flooding: 3 Important Differences for Your Business

5/14/2021 (Permalink)

Damage to the roof and ceiling of an office following a violent storm Storm damage in Bass Lake, NC.

Storm Damage Versus Flooding

When your Bass Lake, NC, business suffers storm damage, you may not know how to reach out for assistance, especially when water damage is widespread. While your insurance company may be able to assist you with filing a claim, it is important to understand the difference between flood damage and the type of problems storms cause to ensure your claim is processed correctly and that necessary repairs are targeted and made so you can carry on with your business.

1. Insurance Definitions
Your insurance company may define storm damage differently from other types of water damage. This difference is usually listed in your policy, and your local representative will likely point it out when you first make your claim. The difference between storm and flood issues usually depends on the origin of the water that entered your business. For example, damage that broke a large window and allowed rainwater to enter would generally be considered storm damage, not a flood.

2. Types of Damage
Visually, issues caused by storms are usually quite different than problems caused by floods. Storms typically include high winds, dangerous lightning and torrential rains, all of which could cause considerable damage to your business. Broken windows and roofing issues are generally two main issues that occur due to storms, while flood damage is likely to be more widespread throughout your business.

3. Flooding Indicators
Flood problems can occur during a storm, such as when a nearby creek overflows its banks due to torrential rains. Floodwaters may enter your business during a powerful storm and cause widespread damage and the need for assistance from a flood remediation and restoration service. Your insurance representative can help you file a claim in this instance and decide whether the resulting damage was the cause of a flood or a storm.
When nature causes storm or flood damage to your Bass Lake, NC, business, the outcome can leave you feeling helpless. Understanding the different types of problems these events may cause might help you to recover faster.

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