How is flood damage different from a pipe leak?
Rising water from rivers or streams is Category 3 water in the IICRC's definitions, meaning grossly contaminated (IICRC). That means contamination controls, cleaning before drying and more material removal than a clean-water leak. Rain coming through a roof is not automatically Category 3 (IICRC).
Does homeowners insurance cover flood damage?
Usually not. Most homeowners and renters insurance policies do not cover flood damage, which is covered by a separate flood policy (FloodSmart). National Flood Insurance Program policies generally take 30 days to take effect after purchase, with some exceptions (FloodSmart).
NFIP residential coverage goes up to $250,000 for the building and $100,000 for contents (FEMA).
What should I do after the water goes down?
Photograph the water line and every damaged room, get standing water and mud out, remove soaked porous materials, and start drying. Because floodwater is contaminated, cleaning and disinfecting come before drying.
- Photograph the high-water mark on walls, inside and out.
- Keep samples of carpet and flooring for the adjuster if you can.
- Remove soaked carpet, pad, insulation and the lower part of drywall.
- Clean and disinfect hard surfaces before drying begins.
What should I ask a flood restoration company?
- Will you give me daily moisture readings in writing?
- What are you removing, and why can it not be dried in place?
- Do you bill my insurer directly, or do I pay and get reimbursed?
- Is the rebuild included, or is that a separate estimate?
- Can I see your Georgia contractor license and certificate of insurance?
Common questions
Is storm water through the roof a flood?
Not for restoration purposes. The IICRC says water from top-down entry, such as wind-driven rain, is not automatically Category 3 (IICRC). Insurance definitions are separate, so check your policy.
Can I buy flood insurance after a storm is forecast?
You can buy it, but NFIP policies generally have a 30-day waiting period before coverage starts (FloodSmart).
Can flooded drywall be saved?
Drywall soaked by floodwater is usually cut out and replaced because it is contaminated, not just wet.
Related guides
Sources
Last reviewed November 13, 2026. This guide is general information, not legal, insurance or medical advice.