Colorado homeowners are usually surprised to learn that their standard home insurance policy may not cover flood damage. Many polices only include storm-related damage coverage, such as wind-driven rain. Unless a homeowner has purchased a separate flood insurance policy, this can be a critical distinction when trying to file a claim after heavy rain or flooding. Understanding flood vs storm damage insurance and studying the differences is the best way to prepare for sudden damage.
Littleton’s community includes older and newer homes, parks, and neighborhoods near the South Platte River and Bowles Ditch. It has a dry climate overall, but residents often face intense late-spring and summer thunderstorms, which can cause flash flooding, especially in areas with poor drainage. Serving neighborhoods including Columbine Hills, Ken Caryl Ranch, and the Historic Downtown area, ServiceMaster Restoration by Lakota offers repair and reconstruction services. Our trusted experts help local homeowners recover from water damage.
Why the Distinction Between Flood and Storm Damage Matters
Homeowners are often caught off guard when flood claims are denied, but not all water damage is treated the same by insurers. Insurance companies define flood and storm damage differently, and these definitions directly impact whether damage is covered under your standard policy. Property owners are encouraged to review these insurance policies and reach out to our insurers if they are unclear on coverage.
What Is Considered “Storm” Damage?
Storm damage typically refers to rain entering through a damaged roof or window, wind-driven rain or hail damage, or water damage following a tree falling on a home. This type of water damage is covered by most standard homeowners’ insurance policies, as it is considered sudden, accidental, and storm-related.
What Is Considered “Flood” Damage by Insurers?
Insurance companies typically define flooding as water that enters from the ground up or overflows from a body of water. Common examples include:
How This Applies to Littleton Homes and Neighborhoods
Littleton residents should be aware of local risks and insurance gaps that affect flood damage restoration. Neighborhoods like Bow Mar, Marston Lake, and Platte Canyon are susceptible to overland flooding. Sudden summer cloudbursts can overwhelm drainage systems and result in ground flooding, and aging stormwater infrastructure may increase vulnerabilities. Because many Littleton residents do not carry flood insurance, weather damage can easily become a costly repair.
Tips for Navigating Insurance After Water Damage
Taking the proper steps after detecting water damage prevents recurring issues and safety hazards in your home. When preparing to file a claim, take photos and videos before cleanup, and document weather events with timestamps. Contact your insurer and clarify whether the damage falls under flood or storm coverage. Consult your declarations page or insurance agent for policy specifics, and refrain from discarding damaged items until adjusters have reviewed them.
Should You Have Flood Insurance in Littleton?
Flood insurance is not required in Littleton, but it is still recommended for many homeowners. Properties outside official FEMA flood zones still face flood risks, and insurance policies tend to be more affordable for homes not located in high-risk areas. Even a few inches of water in a basement can cost thousands in repairs, and typical homeowners’ policies do not cover any kind of rising groundwater. Understanding the differences between flood vs storm damage insurance can help you recover from replacing floors and other damaged building materials.
Common Mistakes Homeowners Make with Water Damage Insurance
Residential water damage restoration is a process that must be handled properly. Overlooking crucial steps, such as damage documentation or mitigation, can result in claim denial and long-term complications. Avoid costly missteps by reviewing your insurance policy. Don’t assume all water damage is covered under one policy, and don’t wait long to report your damages.
Support You Can Count on After the Storm
Don’t let water damage bring stress into your life. When extreme weather damages your home, expert help is available 24 hours a day, 7 days a week. ServiceMaster Restoration by Lakota helps assess whether your water damage is likely flood or storm-related. Our IICRC-certified technicians understand Littleton’s neighborhoods and their respective drainage issues. From water extraction to reconstruction, our comprehensive services ensure your home is structurally sound.
When It Rains, Be Ready
Flood and storm damage can look similar, but they’re treated very differently by insurance providers. Taking time to learn the differences between flood vs storm damage insurance can save you time, stress, and money when it is time to file an insurance claim. If you live in the Littleton area and you’ve experienced severe property damage, ServiceMaster by Lakota can help. Contact us today at 580-203-6313 or click here to request a quote.
