Flood Damage vs. Water Damage — And Where Sump Pump Overflows Fit InFlood Damage vs. Water Damage — And Where Sump Pump Overflows Fit In August 13, 2025 When water damages your home or business, the cause matters as much as the cleanup. Insurance policies treat flood damage and water damage very differently, and understanding the distinction can help you avoid costly surprises.Flood Damage Flood damage occurs when water from outside rises and enters your property, covering normally dry land first. This
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