If you’ve ever had water in your home, you know how stressful it can be. However, did you know that not all water damage is treated equally by insurance companies? At Tim Huber Insurance in St. Augustine, FL, we often help clients understand the critical difference between flood damage and water damage—and why it matters when you need to file a claim.

Flood Damage vs. Water Damage: What’s the Big Deal?

Here’s where it gets tricky. Flood damage is typically defined as water that enters your home from a natural source, like an overflowing river, heavy rain, or storm surge. It usually affects more than one property in your area and originates from outside. Water damage, on the other hand, is most often caused by things like burst pipes, an overflowing washing machine, or a leaky roof—issues that start inside your home.

Why It Matters for Your Coverage

The biggest mistake homeowners make is assuming their standard home insurance policy covers all water-related disasters. Unfortunately, that’s not the case. Most homeowners’ policies cover water damage, but not flood damage. To be protected from flooding, you need a separate flood insurance policy.

If your home is in a high-risk area—or even if it’s not—it’s essential to think ahead. Waiting until after a storm hits is too late. Insurance companies usually have waiting periods before flood policies take effect, so planning now can save you major headaches later.

Get Covered Before It’s Too Late

At Tim Huber Insurance in St. Augustine, Florida, we understand the devastating impact of water damage. Let us help you understand your risks and make sure you’re covered from all angles. Reach out today to get a free quote and peace of mind.