Flood Event Restoration
Rising water from heavy rain, river overflow, or flash flood.
Flood events from outside-source water (rising rivers, overflowing creeks, surface flooding) are CATEGORICALLY DIFFERENT from internal water events. Standard homeowner policies EXCLUDE flood. NFIP flood insurance is separate and required for coverage. Damage scope is similar to other water events but contamination level (Cat-3) is higher because flood water carries everything in its path.
First-hour checklist
- 1
Wait for water to recede - don't enter flooded basement during the event.
- 2
Cut electrical at meter (if safe) or call utility.
- 3
Document everything before any cleanup.
- 4
File NFIP claim immediately if you have flood coverage.
- 5
Call us at 240-291-8439.
How Catalyst handles flood event
- Step 1
Cat-3 protocol from outset
Flood water is contaminated regardless of source.
- Step 2
Containment + bulk extraction
Standard sewage-level protocol.
- Step 3
Demolition of porous materials
Drywall (lower 2-4 feet), insulation, carpet, padding all come out.
- Step 4
Antimicrobial + drying
Two-stage antimicrobial application, complete drying.
- Step 5
Documentation for NFIP claim
NFIP requires extensive documentation - we provide the standard Proof of Loss support.
Standard homeowner policies EXCLUDE flood. NFIP (National Flood Insurance Program) is the primary coverage source. Without NFIP, flood damage is fully out of pocket. NFIP has a 30-day waiting period from policy purchase to coverage.
All carrier-specific claim guidanceFlood Event Restoration — FAQ
Almost certainly nothing. FEMA disaster assistance may apply for federally-declared events but is limited to grants of $40k or so for housing, not full restoration. Get NFIP coverage going forward - typical policy is $400-2,000/year.
Yes via NFIP if you're in a non-special-flood-hazard zone. Repeated claims can lead to subsidized rates or program changes - work with an NFIP-certified agent on options.
Flood Event loss right now?
Catalyst crews stage across MD, PA, WV, and VA — call now or request emergency response.