How Does Storm Damage Differ From Flooding?
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 major differences to keep in mind that may help you manage these risks.
Storms Versus Floods
The most general distinction is that storm water comes from above, whereas flood water usually overspills natural bodies or courses of water 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
• Tropical storms
Most business insurance plans provide protection from damage caused by storms. Property owners will 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
• Beaches or coasts
• Stormwater channels