Those in the restoration industry are taught in water-damage restoration schools that soaked building materials are brought to this state by a leak or a flood. In other words, to a trained and certified water-damage restoration technician (WRT) or a technician who has advanced training and certification in Applied Structural Drying, wet building materials and contents become water damaged as a result of a flooding condition. To paint a mental picture from a water-damage restoration contractor’s perspective, a flood can result from an upper floor pipe break in which cascading water comes down stairwells and ceilings.

So what’s the problem? The restoration industry uses one set of terms and the insurance industry uses another to describe the cause and events leading up to a building’s water damage. Did you know that the insurance industry does not like the word “flooded,” because it is to be used only in the context of community-wide flooding? Google “building floods” and you will see a shift from geological and insurance terms to restoration companies, news articles, and legal cases.

Want to continue reading?
Become a Free
PropertyCasualty360 Digital Reader.


  • All news coverage, best practices, and in-depth analysis.
  • Educational webcasts, resources from industry leaders, and informative newsletters.
  • Other award-winning websites including and

Already have an account?



Join PropertyCasualty360

Don’t miss crucial news and insights you need to make informed decisions for your P&C insurance business. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including, and
  • Exclusive discounts on PropertyCasualty360, National Underwriter, Claims and ALM events

Already have an account? Sign In Now
Join PropertyCasualty360

Copyright © 2022 ALM Global, LLC. All Rights Reserved.