Catastrophic Flooding

Catastrophic flooding can impact a property fast—soaking drywall, insulation, flooring, baseboards, cabinetry, and electrical systems. Water can also damage HVAC equipment, appliances, and personal belongings, while contamination and debris create additional cleanup and safety concerns. Even after the standing water is removed, moisture can remain trapped in walls and subfloors, leading to ongoing damage if it isn’t properly addressed.

For homeowners, the claim process can be overwhelming. You may be dealing with emergency mitigation, temporary housing, and replacing essentials—while also trying to meet strict documentation requirements and deadlines. In major events, inspections can be rushed, estimates may miss key line items, and you may face disputes over the cause of loss, the scope of repairs, or what’s covered under your policy.