What is Considered Flood Damage?

flooded parking lot

Flooding can cause a lot of damage to your home or business. It is important to know what is considered flood damage so that you can file a claim with your insurance company. In this blog post, we will discuss what is considered flood damage and some of the most common causes of flooding. We will also provide tips on how to file a claim and get your life back to normal as quickly as possible!

 

flooded streetWhat Counts As Flood Damage?

Most people think of flooding as water damage that occurs when there is a heavy rainstorm or when a river overflows its banks. While this is certainly one type of flooding, it is not the only type of flooding that can occur. Flooding can also occur when there is a leak in your home or business, such as a pipe burst or a roof leak. If you have any type of water damage in your home or business, it is important to contact your insurance company right away so that they can send an adjuster to assess the damage.

 

Common Causes of Flooding

There are many different causes of flooding, but some of the most common causes include:
-Heavy rains
-Leaking pipes or roofs
-River overflows
-Dam breaches
-Flash floods
-Landslides
-Snowmelt

If you have experienced any of these types of flooding, it is important to contact your insurance company right away. An insurance adjuster will be able to assess the damage and determine if you are covered under your policy. Many policies cover flooding, but it is always a good idea to check with your insurer to be sure.

 

bike in a floodTips for Filing a Claim

If you have experienced flood damage, there are a few things you can do to make the claims process go as smoothly as possible:

-Gather all of your important documents, such as your insurance policy, photos of the damage, and receipts for any repairs or replacement items.
-Contact your insurance company right away to report the damage.
-Be prepared to answer questions about the incident, such as when it occurred and how much damage was done.
-Follow any instructions from your insurance company on what to do next.

By following these tips, you can help ensure that your claim is processed quickly and efficiently. If you have any questions about filing a claim, be sure to contact your insurance agent or broker. They will be able to walk you through the process and make sure that everything is taken

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Flooding, mould growth, and water damage don’t occur on a strict 9-5 schedule, and we don’t either. Torontonians need to have access to a company they can trust to do some dirty work at any time, and that’s why Emergency Flood Response is always ready to work for you through our emergency services. 

We offer 24/7 emergency services so that you know who to call whenever a disaster strikes and before a bad situation becomes a hopeless one. If you need any of the following right away:

  • Water removal from flooding
  • Mould remediation and prevention
  • Restoration from water damage

Get in touch with our team – we’ll respond as soon as possible!

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