Why floodwater is different
Water that comes in from outside, whether from a river, a flash flood, storm runoff or storm surge, is treated as contaminated. It can carry sewage, fuel, chemicals and debris, and in coastal areas it's salty enough to corrode metal and wiring. That's why restoration companies treat it as Category 3 water and remove porous materials it touched rather than drying them.
Safety before cleanup
- Don't go back in until officials say it's safe, and never drive or walk through moving water
- Assume the power is unsafe until an electrician checks any panel, outlet or appliance that got wet
- Wear boots, gloves and a well-fitting N95 mask during cleanup
- Watch for gas smells, structural damage and wildlife carried in by the water
- Keep children, pets and anyone with health problems away from the cleanup
What usually has to go
After a flood, materials that soaked up the water are usually removed: carpet and pad, drywall and insulation up to a line above the waterline, upholstered furniture, mattresses and particleboard cabinets. Hard surfaces like tile, concrete and solid wood framing can often be cleaned, disinfected and dried.
Flood insurance is separate
Standard homeowners policies don't cover flooding from outside water. That coverage comes from a separate flood policy through the National Flood Insurance Program or a private insurer, and NFIP policies usually take 30 days to start. If you have flood coverage, report the loss quickly and keep receipts for cleanup work.