A flood is an excess of water on land that is normally dry, affecting two or more acres of land or two or more properties.
Federally regulated or insured lenders to require flood insurance on mortgaged properties that are located in areas at high risk of flooding. But even if your property is not in a high risk flood area, your mortgage lender may still require you to have flood insurance.
Water damage is usually caused by plumbing, such as a backup from a toilet, a flooded air-conditioning unit, or an overflowed washing machine.
Flood damage is usually caused by water originating from a natural disaster, hurricane, or heavy rain event. This can include flash-flooding, sump pump failure, or prolonged roof leaks.
Storms are not the only cause of floods. Flooding can be caused by dams or levees breaking, new development changing how water flows above and below ground, snowmelt and much more.
Floods can happen anywhere–More than 20 percent of flood claims come from properties outside the high risk flood zone.
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