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Fire & Water - Cleanup & Restoration

Storm Damage Versus Flood Damage

11/9/2020 (Permalink)

hail falls on the roof of slate Hail storm

Storm Damage Versus Flood Damage

You might not see a huge difference between storm and flood damage, but your insurance company sure does. It's absolutely vital to make sure that your Shrewsberry, MO, business is covered for both types of damage. Getting to know the ins and outs of your specific insurance policy can help prevent you from suffering thousands of dollars in property damages.

Damage Defined
Differentiating between the two types of damages can be tricky. Insurance companies typically label the accident as storm damage if the destruction was a result of one or more of the following:

  • Heavy rainfall
  • Cyclones or tornadoes
  • Hail storms
  • Hurricanes or other tropical storms

While it is absolutely possible for the above incidents to cause flooding, your insurance company won't see it that way. Ever since the Queensland floods in 2011, the Insurance Code of Practice has defined flood damage as "the covering of normally dry land by water that has escaped or been released from the normal confines of any lake, river, creek or other natural watercourse, whether or not altered or modified, or any reservoir, canal or dam."

How to File a Claim
If your commercial building is covered, then you need to file your insurance claim as soon as possible.

Contact your insurance company to report the damage.
Separate your damaged property from your undamaged property. Don't throw anything away until your insurance agent has inspected it. Take plenty of photos of the damage as well.
Create a list of damaged items inside the building. Take photos and provide standard information, such as the items' models, serial numbers, and brand. If you still have any receipts or bills, include them in the report.
List any structural damage that you want the insurance adjuster to notice. As always, take plenty of photos.

Both severe storms and floods can cause massive amounts of water damage, but your insurance company still treats them like separate accidents. Make sure to contact remediation experts if your commercial building has recently suffered from storm or flood damage.

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