Storm vs. Flood

7/6/2021 (Permalink)

Property owners may have a hard time differentiating storm damage from flood damage. Commercial properties can sustain water damage from either source. There are a few significant differences to keep in mind that may help you manage these risks. 

The most general distinction is that stormwater comes from above, whereas flood water overspills natural bodies or watercourses and covers at least two acres of ordinarily dry land. Storm damage to a commercial property may originate from a variety of causes, such as:

• High winds
• Heavy rain
• Hurricanes
• Snow
• Tornadoes

Most business insurance plans protect from damage caused by storms. Property owners need additional coverage to offset the expenses of flood damage. If your property is located on a flood plain, you should make sure you carry the policies necessary to protect your investment.

Flooding occurs when water overflows a body of water or watercourse such as:

• Creeks
• Dams
• Lakes
• Storm-water channels

For water to be considered a flood, it must cover two acres and affect at least two properties. Suppose a commercial property is located in a high-risk zone and the owner has a mortgage from an insured and federally regulated lender. In that case, he or she is required to maintain flood insurance. Damage resulting from either flooding or storms can cause severe problems and should be planned for, prevented, and handled as soon as possible. Regardless of a moisture source, the risk of mold and other secondary damage within a building can be just as severe.

Restoring Damage From Storms and Floods

Restoration specialists can help property owners determine the precise causes of damage and the best solutions. If a commercial property in Central St. Petersburg / Pinellas Park experiences flood damage or sustains damage during a storm, contact a commercial damage restoration company as soon as possible.