A flood is defined as being an overflow of water that submerges land which is usually dry or land not covered by water. It is usually associated with an overflow from a dam/reservoir system, river, lake or canal that may be caused by an increase in water levels through melting snow or intense rainstorm. Flooding may also occur where there is inundation from the sea or during events where drainage systems cannot cope and hence overflow (or backup). Some or our competitors only include loss or damage from flood (as above) but we go further and include ingress of rainwater from leaking roofs and/or blocked guttering.