The simple answer is a flood is from water that originates outside the home, and water damage comes from inside.
Water damage typically comes from an overflowed toilet, sink, or a burst pipe. Is water damage covered under your home or renters policy? It depends, and is often tricky. First off, you need to check with your insurance carrier to see if they offer any coverage for water damage under your policy.
Owner of Paul Nelson Insurance, and resident of Santa Cruz and Monterey counties for 30 years.