4 Hidden Causes of Basement Flood Damage

4 Hidden Causes of Basement Flood Damage

4 Hidden Causes of Flooded Basements:

  • Location

The natural position of your home or office relative to its natural environment is a major factor when considering the possibility of future water damage or basement flooding.  Understanding where your house is built in relation to land elevation & sloop is important when planning to prevent basement flooding.  Low quality materials and poor craftmanship is a dangerous mix and is more susceptible to water damage causing basement flooding.

  • Water Drainage System

Improper installation of underground drainage system by your home builder can cause many complications and are not likely to be discovered until a basement flood damage occurs.  However, you can do your part to prevent a basement flood.  Proper maintenance of your sump pump includes having a back up power source.  Even this precaution will fail if the builder makes a mistake.

French drain installation can be a great defense against basement flooding.  If you live in the Northern VA or Southern MD area and plan to use your basement as living space, then French Drain Installation is highly recommended as a defense against water damage.

Gutter maintenance and water diversion is important to the overall water damage protection of your home.  Clogged gutters can cause ceiling to wall water damage.  When gutter water is not diverted away from the home, water pressure increases around basement perimeters.  This makes basement water damage and basement flooding more likely.

  • Foundation Cracks & Leaks

Foundation cracks can be tiny but turn into a major water damage cleanup.  High humidity levels are the result of leaky pipes, water intrusion, foundation cracks and many other water damage issues.  Mold growth is a secondary damage caused by water, in gas or liquid form.  Foundation cracks become weaker by poor drainage.  As the ground becomes over saturated, the pressure per square inch increases as does the chance for basement flooding and basement water damage.

  • Home Additions

Making additions to your home must be carefully planned.  Increased water pressure around a basement perimeter is almost a certainty when additions do not align with precision.  The risk of basement flooding is higher when water pressure around a basement foundation is multiplied.

Water Damage vs Flood Damage

Water Damage vs Flood Damage

Flood & Mold Damage video

Emergency Water Extraction & Mold Remediation in Northern VA.

Water Damage VS Flood Damage: what is the difference?

Search phrases such as “water damage” and “flood damage” are often used interchangeably by homeowners and other non-industry professionals.  However, in this short article I want to highlight 2 key factors your insurance company is likely to use when determining coverage.

Water damage like flood damage is a very broad term & includes any situation where water or moisture causes damage to tangible goods or property.  Both water damage & flood damage can originate from acts of nature or system failures within dwellings and other properties, such as vehicles.  For example, leaving your window open during heavy rains can cause water damage to your window seal.  In the same way, a hole in your roof may cause water damage, but not necessarily cause enough water damage to be classified as a flood.

The amount of water in an effected space is the first key factor in classifying a project as a water damage or flood.  Every flood is a water damage, but not every water damage is a flood.  In general, if there is enough standing water to saturate the entire floor area of a room, that room is flooded.  If standing water covers only a section of a room, that room has a water damage, but is not flooded. 

For most insurance carriers, the major distinction between a water damage and a flood damage is the source of the loss.  In other words, is the source of the flood a natural disaster or is the source a system failure, such as a failed sump pump or busted pipe.  If the flood water source is a water intrusion originating outside of the property, your insurance company is likely to consider that a flood.  This point is important to understand because flood coverage like mold coverage, is not typically included in most home/business owners’ insurance policies.

Within the damage restoration industry, water damage is defined as any water that causes the unusefulness, or future use or value of any property to become impaired by water.  Water damage restoration is defined as the act or process of restoring & is not complete until property brought back to a pre-loss condition.  Therefore, a flood is simply a larger water damage, but for insurance purposes, floods are water intrusions originating on the outside of a structure and intrude indoors.

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