Water Damage: Causes, Types, and Flood Damage Distinction

Water damage to property is a common and often costly issue. This damage can be caused by a variety of sources, both internal and external to the property. Understanding the causes and types of water damage can help property owners take steps to prevent or mitigate its occurrence.

Causes of Water Damage

• Pipe leaks
• Roof leaks
• Flooding
• Condensation
• Sewage backups

Types of Water Damage

• Category 1: Clean water damage that results from a burst pipe or leaky faucet.
• Category 2: Gray water damage that results from a dishwasher or washing machine overflow.
• Category 3: Black water damage that results from sewage backups or floodwaters.

Is Water Damage the Same as Flood Damage?

No. While both water damage and flood damage can result in significant property damage, there is a distinction between the two:

• Water damage refers to any damage caused by water intrusion that is not related to a natural disaster.
• Flood damage refers to water damage caused by a natural disaster, such as a hurricane or riverine flooding.

It is important to understand this distinction, as insurance policies may treat water and flood damage differently.