If you live in a flood-prone area— not just near a waterway, but in an area that’s frequently hit by major storms— you should get flood insurance. Most insurance policies don’t cover floods, which are the most common natural disaster in the nation. Between 2008 and 2012, the average flood claim was $42,000-plus. Not something you want to pay out of pocket!

Water Damage v. Flood: What’s the Difference?

Water damage, as covered in the homeowner’s policy includes ‘instances of water hitting your home before touching the outside ground’. (No, we’re not making this up.) Damage from a leaky roof or broken pipe are insured. So too is mold that results from those accidents. But mold resulting from a flood won’t be covered unless you have separate flood insurance.

It’s important to note that it is the damage to your home that’s insured, not the actual item that failed. So if a busted pipe was the source of the problem, the ruined carpet will be covered but not the broken pipe.

We are always here to help in such instances. SERVPRO of Oldham/Shelby/Trimble/Henry provides 24 hour support for all your Water Loss needs. You can contact us at 502.241.6861.