Water Damage vs. Flood Damage: What’s the Difference?
When your home is soaked, it may not matter what caused the water — but it matters a lot to your insurance company. Knowing the difference between water damage and flood damage can determine whether your claim gets approved or denied.
At Pure Flow Water Damage & Restoration, we help Utah homeowners navigate claims every day. Here’s what you need to know if you live in Riverton or nearby cities.
🚰 What Is Considered Water Damage?
“Water damage” usually refers to internal water issues caused by burst pipes, appliance leaks, roof damage, or HVAC malfunctions. These incidents are often covered by homeowners insurance if reported quickly.
Examples of Covered Water Damage:
- Burst pipes in winter
- Overflowing sinks or tubs
- Leaky roof during a storm
- Water heater or washing machine leaks
💡 Tip: If the water started from inside your home, it’s usually classified as water damage.
🌊 What Is Considered Flood Damage?
“Flood damage” is defined as water entering your home from an external source — like rain, rising groundwater, or an overflowing creek.
💥 Important: Flood damage is not covered by standard homeowners insurance. You need separate flood insurance through FEMA or a private carrier.
Examples of Flood Damage:
- Heavy rain flooding your basement
- Snowmelt seeping in through foundation cracks
- Water runoff from nearby properties
🧾 How This Affects Your Insurance Claim
Water damage caused by a sudden, accidental internal event? You’re likely covered.
Floodwater from outside your home? You’ll need a flood policy — or you may have to pay out-of-pocket.
Our team offers full insurance support and documentation services to help make your claim process smooth and accurate.
💡 What If You’re Not Sure Which Type You Have?
Let our certified technicians assess the damage. We can determine the source, document everything, and provide the photos and moisture readings your adjuster will request.
Need Help With Water or Flood Damage in Utah?
Pure Flow Water Damage & Restoration serves homeowners in:
We offer 24/7 service, emergency water removal, and full support for your insurance claim — regardless of the cause.
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