Water damage and flood damage—while they may seem interchangeable—are actually very different in the eyes of insurance companies, property restorers, and legal definitions. Knowing the distinction can make a huge difference when it comes to restoration response and insurance coverage.



At America Restoration in Odenton, MD, we help homeowners and business owners recover from all types of water-related disasters. Here's a breakdown of how water damage and flood damage differ—and why it matters.

What Is Considered Water Damage?

Water damage generally refers to water intrusion from inside your home or building. Common causes include:

• Burst or leaking pipes
• Overflowing sinks, bathtubs, or toilets
• Roof leaks from storms
• Water heater or appliance failures
• HVAC malfunctions
• 
  

This type of damage is usually covered under standard homeowners insurance policies, assuming it's sudden and accidental—not the result of neglect.

Typical Water Damage Signs:

• Stained walls or ceilings
• Warped flooring
• Musty odors and mold growth
• Dripping water from ceilings or fixtures

What Is Considered Flood Damage?

Flood damage, on the other hand, involves water that originates from outside the property and enters due to rising water levels. FEMA defines a flood as a temporary overflow of water on normally dry land affecting two or more properties or acres of land.

Common causes include:

• Heavy rain causing rising water
• Overflowing rivers or lakes
• Storm surges or tidal flooding
• Rapid snowmelt or blocked storm drains

Flood damage is not covered by standard homeowners insurance. You must have separate flood insurance through the National Flood Insurance Program (NFIP) or a private provider to be protected.

Flood Damage Can Lead To:

• Foundation cracks
• Saturated insulation and drywall
• Widespread mold contamination
• Long-term structural deterioration

Why the Difference Matters

Knowing whether you’re dealing with water damage or flood damage impacts:

• Your insurance claim: Filing the wrong type could delay or void your payout.
• Restoration approach: Floodwater may contain sewage and contaminants, requiring a more intensive cleaning process.
• Health risks: Flood damage often brings higher risks of mold, bacteria, and respiratory hazards.

Fast Action is Key—No Matter the Cause

Whether it’s a burst pipe or a flash flood, immediate response is critical to preventing further damage and avoiding costly repairs. At America Restoration, we provide:

• 24/7 emergency response
• Water extraction and drying
• Mold remediation
• Structural repairs
• Help with documentation for insurance claims

Trust the Local Experts in Odenton, MD

Don’t wait for water to take over your home or business. If you're unsure whether you're dealing with water damage or flood damage, America Restoration is here to assess the situation and guide you through the process from start to finish.