When it comes to insurance, floods and water intrusion are two different things.

In this article, we cover the difference between water damage and flood damage.

Every living thing on earth relies on water to survive. But the very thing that keeps us alive can also cause a lot of destruction.

Flood and water damage claims are extremely common, affecting tens of thousands of Americans every year. Luckily, there are insurance policies that can provide a layer of protection against the costs of water and flood damage.

But, while water damage is typically covered under your homeowners insurance policy, flood damage isn’t. In fact, the insurance industry has completely different definitions for these terms (and different policies to cover each one).

Let’s take a closer look at the difference between water damage and flood damage.
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