A flood is water covering an area that is normally dry. In everyday property discussions, people also use the word for substantial indoor water accumulation.
What this means at your property
A room filled by a broken supply line and a home reached by rising outdoor water may both be described as flooded, but the sources and cleanup considerations differ. Begin the assessment with what happened and where the water came from.
Does this description determine insurance coverage?
No. Policy language and the facts of the event matter. Keep photographs and source information, and ask your insurer to explain the applicable policy terms separately from the contractor’s repair scope.