Water Damage vs. Flood Damage

When disaster strikes your property, it’s important to understand the difference between water damage and flood damage—especially when it comes to insurance coverage, restoration methods, and response time. While they may seem similar on the surface, these types of damage have distinct causes and implications.

At 911 Restoration in Chattanooga, TN, we’re here to help you understand these differences and how to respond effectively.

What is Water Damage?

Water damage is caused by water that originates inside your home or business. This could result from:

• Burst or leaking pipes
• Overflowing appliances (dishwashers, washing machines)
• Roof leaks
• HVAC or water heater malfunctions
• Sewage backups

Key facts about water damage:

• Usually covered under standard homeowners insurance policies
• Can lead to mold growth if not treated quickly
• Requires immediate water extraction and drying

What is Flood Damage?

Flood damage, on the other hand, is caused by natural events or water entering your home from the outside. This includes:

• Heavy rainstorms
• Overflowing rivers or creeks
• Storm surges or flash flooding
• Rapid snowmelt

Key facts about flood damage:

• Not covered under most standard home insurance policies—requires separate flood insurance
• Often more widespread, affecting entire communities
• May involve contaminated water (Category 3 or “black water”)

Insurance Matters: Water Damage vs. Flood Damage

One of the biggest differences lies in insurance. Water damage is usually covered if it’s sudden and accidental. However, flood damage requires a separate policy through the National Flood Insurance Program (NFIP) or private insurers.

Understanding your policy before an emergency occurs can save you thousands of dollars in unexpected costs.

Our Approach at 911 Restoration of Chattanooga, TN

At 911 Restoration, we provide 24/7 emergency restoration services for both water and flood damage. Our team is IICRC-certified and trained to handle:

• Water extraction
• Drying and dehumidification
• Sanitization and mold prevention
• Full structural restoration

Whether it’s a burst pipe or flash flood, we’re ready to help restore your property and peace of mind.

Water damage and flood damage may look the same once your floors are soaked, but the source, insurance coverage, and restoration process differ greatly. At 911 Restoration servicing Chattanooga, TN, we’re committed to helping you navigate the chaos with fast, professional, and compassionate service.

Need immediate help with water or flood damage? Call 911 Restoration servicing Chattanooga, TN today for a Fresh Start!