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Water Damage: Causes, Types, and the Distinction from Flood Damage
Water damage is a severe problem that can occur in homes and businesses for various reasons.
Causes of Water Damage
Burst pipes
Leaking roofs
Flooding
Condensation
Plumbing malfunctions
Types of Water Damage
Water damage can be classified into two primary categories:
Clean Water Damage: Caused by sources such as burst pipes or leaking appliances, this type of water is generally considered “clean” and does not pose significant health risks.
Black Water Damage: Originating from sources such as sewage backup or flooding, this type of water is contaminated and can pose health hazards.
Is Water Damage the Same as Flood Damage?
While both water damage and flood damage involve the presence of excess water, they differ in several key ways:
Source: Water damage can occur from a variety of sources, including burst pipes, leaky roofs, and condensation. Flood damage, on the other hand, is specifically caused by the overflow of water from a body of water, such as a river, lake, or ocean.
Severity: Flood damage is generally more severe than water damage, as it often involves large amounts of water that can cause significant structural damage and contamination.
Insurance Coverage: Water damage may be covered by homeowner’s or business insurance policies. Flood damage, however, typically requires separate flood insurance coverage.
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