Why do flash floods reach houses that are not near a creek?
Because the storm drains and the lot grading decide where water goes, and a heavy storm can exceed what the drains and the ground can carry. Water runs to the lowest point of the property, which may be a garage or a window well rather than a creek bank.
A storm drain is designed for a certain amount of rain, and when a storm exceeds it, water flows over the street and into driveways. A house sitting below the street level, or on a lot that slopes toward the house, can take water from several directions at once. That is why a flood can reach a home with no creek in sight.
The grading around the house is the part a homeowner can see and change. Soil that slopes toward the foundation holds water against the wall, and a gap in the grading at a downspout sends roof water to the same spot. The cleanup notes the grading so the next storm does not repeat the same route.
Is flash flood damage covered by a homeowner policy?
Flood is generally excluded from standard homeowner policies, and water from surface runoff or from the ground is treated differently from a sudden discharge inside the house. A separate flood policy or an endorsement is the usual way to cover it.
Policies typically exclude flood and water that enters from outside the building, and that exclusion is the one most often misunderstood. The terms are set by the insurer, and the homeowner should read them before a storm rather than after. The Colorado Division of Insurance regulates insurers in Colorado and takes complaints about how claims are handled.
The photographs, the high-water line, the debris and the readings are the record for any claim. Keep a copy of each, and do not discard damaged material until the insurer has been given the chance to inspect it.
What should be removed and what can be kept?
Porous material that stood in the flood is generally removed, because mud cannot be fully cleaned out of it. Hard surfaces can usually be washed and disinfected, and the decision depends on what the water carried and how long it stood.
Drywall that wicked water up from the floor, insulation below the flood line and the lower sections of wood framing are the materials most often removed. Concrete, metal and sealed tile are washed and kept, provided the cleaning is complete.
Electrical outlets, switches and appliances that were under water are not used until a licensed electrician has checked them. The cleanup crew can note which items were wet, but the electrical decision belongs to the electrician and the homeowner.
How long does a flooded garage take to dry?
Days to weeks, depending on how much mud was present and how thick the slab and the wall are. The readings decide when the equipment comes off.
A concrete slab holds moisture for a long time, and the dry-down is slower than for a wood floor. The crew sets the equipment to dry the wall and the slab edge, and the readings are logged at each visit until the numbers are steady and low.
A garage that is closed too early traps moisture under any new floor covering, so the drying is judged by the numbers and not by how the surface looks.