Is river flood cleanup different from a burst pipe cleanup?
Yes. Floodwater comes from outside, carries silt, and is treated as Category 3 water under the IICRC S500 water damage standard. A burst supply line is usually Category 1, clean water from a known source.
Category 3 means more materials come out, more surfaces are cleaned, and more care goes into protecting the people doing the work. The water has to be handled on the assumption that it is contaminated, whatever it looks like.
Silt is the other difference. It settles into carpet pad, behind baseboards and in the floor drain, and it keeps holding moisture after the surface looks dry, so meter readings matter more than appearance.
Does homeowners insurance cover river flood cleanup?
A standard homeowners policy generally does not cover flood from rivers and creeks, which usually needs a separate flood policy. Coverage is your insurer's decision under your own policy, so read it or ask your agent.
A standard policy generally responds to sudden and accidental water damage, such as a burst supply line. Surface water and river flooding are generally excluded, and are usually covered only by a flood policy from FEMA's National Flood Insurance Program or a private insurer.
Mapped floodplain runs along the river here. Check your own address on FEMA's Flood Map Service Center rather than relying on a neighbor's answer, and do not assume a policy covers river water until you have read it.
What should I do in the first few hours?
Get out of the water first. Shut off power to the wet area only if you can reach the switch safely, and photograph everything before it is moved.
Stop the water at its source if you can do it safely, and move valuables above the waterline. Photograph the waterline, the damage and each room before anything is moved or dried. Call your insurer early.
Phones are answered 24/7, and a crew is dispatched as soon as one is available. If the water is still rising or is near the electrical panel, leave the building and call from outside.
How does the crew know the house is dry?
Moisture meters and thermal imaging find water that is not visible. The crew keeps checking the materials until the readings come back to normal.
Dryness is not judged by feel. Meters read the materials and the framing, and thermal imaging shows cool, wet areas inside walls and under floors. The crew records readings through the job so you have a dated record.
Drying stops when the numbers stop changing, not when the room looks dry. Mold can start in materials that look fine on the surface, and mold can trigger allergy and asthma symptoms in some people.
What moves the price of a river flood job?
The size of the wet area, how high the water climbed, what materials it touched and how the building is accessed. The price is explained and approved before any work starts.
The emergency stage, meaning extraction, cutting and drying setup, depends on what the crew can see. A flood that reached the first floor, a finished basement with carpet, and a farmhouse cellar reached through a hatch each need different time and equipment.
Repairs after drying are quoted separately, once someone has seen the wet area. The price is confirmed on site before any work begins, and a phone call cannot settle it honestly.