Flood cleanup removes floodwater, mud, and contaminated materials, then disinfects and dries the home. Because outside floodwater is treated as Category 3 (contaminated), porous items like carpet, pad, insulation, and lower drywall are typically discarded. Standard homeowners policies usually exclude flood; flood insurance covers it.
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Atlanta sits on a web of creeks — Peachtree, Nancy, Proctor, Sope, and dozens more — that can rise fast during heavy thunderstorms and tropical remnants. When surface water or creek water enters a home, it's treated as Category 3 (contaminated) water and needs a more thorough cleanup than a burst pipe.
Flood cleanup steps
- Pumping and extraction of standing water and mud
- Removal of contaminated carpet, pad, insulation, and drywall
- Cleaning and disinfecting of all surfaces the water touched
- Commercial drying with moisture readings until materials reach dry standard
- Content pack-out and cleaning for salvageable belongings
Flood insurance vs. homeowners insurance
Standard homeowners policies generally exclude flooding from rising surface water. That coverage usually comes from a separate flood policy through the National Flood Insurance Program (NFIP) or a private insurer. Sudden, accidental water from inside the home — like a burst pipe — is a different situation and is often covered by a homeowners policy. Check your policy and talk with your agent; a good restoration company will document the loss in a way that supports either type of claim.
Safety first
- Don't enter a flooded basement if the electrical panel or outlets could be underwater. Have the utility or an electrician disconnect power.
- Wear rubber boots and gloves; floodwater can carry sewage, chemicals, and debris.
- Throw out food, medicine, and cosmetics that floodwater touched.
- If you smell gas, leave and call Atlanta Gas Light's emergency line or 911 from outside.
Frequently asked questions
Does homeowners insurance cover flood damage?
Usually not. Rising surface water and overflowing creeks are typically covered only by a separate flood policy from the NFIP or a private insurer. Water from a sudden internal source, like a burst pipe, is often covered by homeowners insurance.
Is it safe to clean up floodwater myself?
Small amounts of clean water can be handled by a homeowner, but floodwater can carry sewage, chemicals, and electrical hazards. Professionals use protective gear, disinfectants, and commercial drying equipment.
How soon should flood cleanup start?
As soon as it's safe to enter. Mold can begin growing within 24–48 hours, so extraction and drying should start the same day or next day whenever possible.