Storm & flood water damage
Storm and flood water is usually Category-3 (contaminated) and often not covered by homeowners insurance. Move fast on safety and drying, and check your flood-insurance coverage.
Step by step
- 1
Safety first
Avoid downed lines and contaminated floodwater. Don’t enter standing water near electrical.
- 2
Document before cleanup
Photograph everything for your claim — flood claims need thorough documentation.
- 3
Get emergency extraction
Storm water must be extracted and the structure dried and sanitized quickly to prevent mold and rot.
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Browse by stateStorm & flood water damage — FAQs
Does homeowners insurance cover storm flooding?+
Rising/surface floodwater is NOT covered by standard homeowners insurance — it requires separate NFIP flood insurance. Wind-driven rain through storm-damaged roofing may be covered by homeowners.
What should I do first after a flood?+
Ensure safety, document the damage, then get professional extraction and drying started as soon as it’s safe.