While many people use the terms “water damage” and “flood damage” interchangeably, there are significant differences between these two forms of property damage. Knowing the differences is critical when filing an insurance claim, working with remediation companies, and getting proper compensation. Water damage is typically caused by rain. Flood damage is caused by excessive water. Both are devastating, and it’s essential to understand what damage each causes.
Homeowner’s insurance does not cover flood damage.
If you live in an area prone to flooding, you should consider purchasing flood insurance. The National Flood Insurance Program (NFIP) is sufficient coverage for most flooding events. If you’re wondering whether your homeowner’s insurance policy covers flood damage, the first step is collecting evidence. Your agent will ask you several questions about injury and estimate repair costs. It’s a good idea to manage your receipts so you can submit a claim.
Although flood damage Brunswick…Continue reading