Difference Between Water Damage and Flood

Difference Between Water Damage and Flood

Water Damage and flood damage might sound synonymous but there is certainly a difference. By knowing the difference, it would be useful in protecting the property from damage. A Homeowners policy excludes water damage resulting from Flood damage, backed up sewer and water that seeps through the flooring from the foundation. In fact, in many places, separate flood policy is required as the general Homeowners policy do not cover flood damage. So, isn’t it important to know the exact difference?

Water Damage

A structural issue at home is the common cause of water damage. Say, for example, a water damage might be a result of a burst pipe, a damaged water main, a broken toilet or a defective home appliance like a washing machine.

Solutions for Water Damage

Precautions and Solutions for Water Damage

Once the source of the problem or damage is found, it can be rectified with the help of a professional. A professional water damage service will repair all the problems. In addition to it, they will help you with tips to reduce or eradicate such kind of problems in the future. If suitable precautions are followed, we will be able to save our home and the money in our wallet.

Flood Damage

A Natural Cause or a calamity will lead to Flood Damage. Heavy Rains, melted snow that gives rise to water at our home and local flooding are the most common causes of Flood damage. As flood damage arises from a natural calamity, it is not possible to stop it until nature’s rage comes to an end.

Flood Damage

Precautions and Solutions for Flood Damage

There are some preventive measures that can be done to ensure that our home is safe to some extent. Having sandbags, clearing off snow near the house and being alert to the flood warnings in the area are some precautions one could take to prevent higher extent of flood damage.

After the natural calamity is over, it is important to call a professional to do the repair and cleaning job for you. They are the people who are more efficient and knowledgeable in handling the work with ease.

Differentiating Flood Damage and Water Damage

Differentiating both is simple. If your home is the only one that is affected by water issues, then it is clearly a case f water damage. But if the whole neighborhood is experiencing the same, then it is Flood damage. As simple as that.

Flood Coverage and Water Damage

As discussed earlier, there are two different policies. While the Homeowners policy covers only the water damage due to a structural issue, a standard flood insurance policy covers damage caused by natural calamity. Flood means rising or overflowing of water into the normally dry land.

Flood coverage means any water breaking into your home like swimming pool collapses. Note that this kind of a situation is covered only by the Flood Insurance.

Eligibility for Flood Coverage

Just like the Homeowners policy, the flood coverage is available to everyone and is not specific to the place where you reside. Whether you live in a flood-prone area or not, it does not matter. There is nothing like “zoned” area for Flood coverage.


Read More
Why should you clean your air ducts?

Why should you clean your air ducts?

Is it important to know about air ducts?

The answer is yes. You should know all about air ducts and the implications that it can have in your house and on your health if you do not clean and maintain it well. Knowledge about air ducts is vital to the quality of the air in your house. Air ducts are directly related to air pollution.

How are air ducts related to your health?

Air ducts can be directly related to your health. While there have been no statistics or studies that show that cleaning the duct can prevent health issues, it is also a fact that when the air ducts are dirty, it can be one of the sources of the dirty particles

air ducts related to your health

Where can the dirty particles come from?

From personal experience, I have seen dirty and dusty particles enter the house from various outdoor and indoor activities such as cooking, smoking, cleaning etc. The chances of contamination exist with these activities.

Why should you clean your air ducts?

While studies do not relate health with air ducts, it does not mean you can relax on the cleaning. There is a heavy dose of mold that grows on the hard surface of the air duct. The different components of the cooling and the heating system do not repel the growth of clutter and mold. Since these components are not accessible easily and visible by the naked eye, chances are you will not notice the increase in the air pollution until it is too late.

It is prudent to clean the air duct regularly to avoid such instances.

What about insulated air ducts?

Insulated air ducts should be kept an eye on. If the air duct is insulated, it is likely to get wet. This increases the chance of growth of mold and clutter. In such a scenario, it cannot be effectively cleaned. The best way to get rid of the mold is to remove and replace it.

insulated air ducts

What are the conditions that induce the growth of mold and clutters?

Mold and clutters love a nice warm place. They do not like the cold. They avoid bright sunlight. Mold grows best in secluded and dark places.

How do you recognize a clutter or a mold?

Anything that looks like a mold need not be one. Experts and lab reports will confirm if it is a mold. Ducts will be infected with vermin – insects and rodents. These are some of the most obvious places where clutter and mold are likely to grow and flourish in.

recognize a clutter or a mold

How to clear the air from mold and clutter?

Cleaning the air duct is one of the best ways to get rid of the mold. Another way is to open the windows. Letting the sunlight in will clear the air in many ways.

Importance of cleaning the air duct

Clutter can make u sick, tired and stressed out.

You are more likely to fall sick inside the house than out.

Clutter is a safety hazard. Tripping and slipping over it can injure your body in many ways.

Clutter can cause a fire to become worse.





Read More