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Your basement is wet, and someone just asked whether it’s water damage or flood damage. Aren’t they the same thing? Sort of. Here’s the short version of water damage vs flood damage: flood damage is a type of water damage, but insurers often treat the two differently. That gap can decide who pays. Below, you’ll see what each term means, what causes them, how insurance may handle them, and when to call a professional. What Is Water Damage? Water damage is what you get when wat