Is Storm Damage the Same as Water Damage? What to Know
Not all water-related damage is the same. When assessing property damage, distinguishing between storm damage and water damage is critical for insurance claims, restoration, and prevention efforts. While they might seem similar at a surface level, the causes, extent, and response to water and storm damage repair Santa Rosa vary significantly. Let’s break down the differences, share insights on identifying each, and outline the best response strategies for quick and effective restoration.
Understanding Storm Damage vs. Water Damage
Storm damage and water damage are often used interchangeably, but they involve different causes and can require different types of professional restoration services. Here’s a closer look at each:
Storm Damage
This type of damage is specifically caused by severe weather events such as thunderstorms, hurricanes, tornadoes, or snowstorms. It can include wind damage, flooding from heavy rain, damage from fallen trees, and structural damage due to hail, lightning, or debris.
Water Damage
Water damage results from issues within the home, like plumbing leaks, burst pipes, appliance malfunctions, or gradual leaks that affect the structural integrity of the property over time and require water damage restoration. This damage is usually unrelated to external weather events and tends to stem from internal property issues.
Types and Causes of Storm Damage
Storms can impact a property in many ways. Some primary types of storm damage that property owners might encounter include:
Wind Damage
High winds can lift roof shingles, break windows, and even cause structural damage to walls or foundations. The impact of strong winds during storms can also uproot trees, sending large debris toward structures. Along with major effects, there can also be unseen effects of storm damage that can cause serious issues.
Flood Damage from Storms
Heavy rains often lead to flooding, which can result in standing water around the property, seeping into basements, or damaging floors, walls, and foundations. Storm-induced flooding can also carry contaminants that make cleaning more complex and costly.
Hail Damage
Hailstorms can damage roofs, siding, windows, and vehicles. Large hailstones can puncture roofs, shatter windows, and even dent siding or metal surfaces.
Types and Causes of Water Damage
While storm damage is tied to natural elements, water damage has its own set of causes, primarily internal:
Burst or Leaking Pipes
Plumbing issues like frozen pipes bursting or old, corroded pipes leaking can result in significant water damage. These issues are more common in older homes or properties that experience extreme cold. For burst pipes especially, recovering faster with professional water damage restoration services is crucial.
Appliance Malfunctions
Household appliances like water heaters, washing machines, dishwashers, and refrigerators can leak and cause water damage if they malfunction. This is typically gradual but can result in extensive floor and wall damage if not promptly addressed.
Roof Leaks
Even without storms, aging or damaged roofs can start to leak, leading to water seeping into attics, walls, and insulation. Over time, this can cause mold growth and structural issues if not repaired.
Insurance Coverage for Storm Damage vs. Water Damage
Insurance policies generally address storm and water damage differently. Here’s what property owners should know:
Storm Damage Coverage
Most standard homeowner’s insurance policies cover storm damage, including wind, hail, and lightning-related issues. However, flooding caused by storms usually requires separate flood insurance. Coverage will depend on the specific terms of the policy and the type of storm. Beyond insurance protection, make sure you also know how to weather the storm with tips for storm damage and repair.
Water Damage Coverage
Water damage caused by sudden events like a burst pipe or appliance failure is often covered by standard homeowner’s policies. However, gradual issues, like leaks due to poor maintenance, are generally not covered. Sewer backups also typically require an additional endorsement or rider for coverage.
Importance of Detailed Documentation
When filing insurance claims for either storm or water damage, it’s essential to document everything thoroughly. Photographs, detailed descriptions, and invoices for repairs are crucial for supporting claims, especially when distinguishing between types of damage to avoid claim denials.
Restoration Process for Storm Damage and Water Damage
The restoration process differs significantly between storm damage and water damage, and quick action can mitigate further loss. Here’s what’s involved:
Storm Damage Restoration
Storm damage restoration can include the following:
Inspection and Assessment
Ensure success in storm response and management by calling restoration experts right away to inspect the property. They will assess all damage, from roofing and windows to foundations and exterior siding.
Debris Removal and Structural Repairs
Debris from storms, such as fallen trees and broken glass, must be removed before repairs can begin. Structural damage to roofs, walls, or foundations often needs immediate attention.
Water Extraction and Drying
If flooding has occurred, it’s essential to extract water immediately. Advanced drying equipment is used to remove moisture, preventing mold growth.
Restoration and Rebuilding
From re-roofing to replacing damaged walls and floors, the final step is restoring the property to its pre-storm condition.
Water Damage Restoration
Water damage restoration can include the following:
Identify and Stop the Water Source
The first step in water damage restoration is locating and stopping the water source to prevent further damage. This often means turning off your water system.
Water Extraction and Drying
Timely water damage restoration is important! Professionals will use industrial-grade water extractors to remove standing water, and powerful dryers to eliminate moisture from affected surfaces and materials.
Dehumidification and Mold Prevention
Dehumidifiers reduce the humidity level, critical for preventing mold growth, a common aftermath of water damage.
Repair and Restoration
Damaged materials, including drywall, flooring, and insulation, are replaced, and any plumbing or structural repairs are completed.
For Storm and Water Damage Restoration – West Coast Fire & Water
If your property experiences either storm or water damage, acting fast with a professional restoration company is key. At West Coast Fire & Water, our team specializes in rapid and thorough restoration services, tackling everything from storm damage repair in Santa Rosa to comprehensive water extraction. Contact West Coast Fire & Water today or give us a call at 707-462-5326 and let us help you safeguard your property against future damage.