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Understanding Expenses Covered Under the SFIP and Flood Damage Cleanup

June 1st, 2018 · No Comments

Floods can completely devastate your Edgewater, NJ home, necessitating flood damage cleanup from a professional firm like ServiceMaster Metropolitan. By enlisting the help of our experts, you can rest assured that your home is restored and there’ll be no surprise expenses.

When it comes to flood damage cleanup, the expenses can become confusing. Trying to understand the work being done and what your insurance will cover can be difficult, leading to surprise out-of-pocket expenses. The professionals at ServiceMaster Metropolitan are here to help you better understand the process and ensure you don’t encounter any surprise expenses.

Flood Damage Cleanup and Surprise Expenses

Nothing upsets a property owner more than having to pay surprise expenses they assumed were covered by their insurance.

Flood claims need to follow all the rules as mentioned in the Standard Flood Insurance Policy (SFIP), so it’s important for restoration companies to understand the flood program rules. This way they can prevent complications after flood claims, particularly when the restoration company has been referred by an agent.

Flood damage cleanup professionals know the procedures they have to follow for restoring your home to its pre-loss state. However, it’s also important to understand that at times, standard procedures are not covered by SFIPs.

When a flood damage restoration company is aware of the rules, they can help you navigate the process.

Expenses Allowed by FEMA

FEMA has produced an extensive memo (titled W-13025a) to explain the type of restoration expenditures that are allowed and not allowed.

Let’s go through a few of the main points that restoration professionals should understand before they start work:


  1. Extraction of water from wet carpets will not be covered by a Standard Flood Insurance Policy. If water extraction is included on the restoration firms estimate list, you need to be aware of the fact that the coverage will not be allowed. It’s often assumed that the expenditure on water extraction will be included in the expenditure on removal of wet carpet. Thus, restoration professionals should include this expenditure in the removal line item.
  2. The use of ozone machines and air scrubbers is not allowed under SFIP.
  3. Charges for negative air movers, generators, personal protection equipment, and air filtering equipment are not permitted under SFIP. As such, these charges are to be added in the removal line item.
  4. The restoration firm is required to provide drying logs on a daily basis along with their invoice. The drying logs should provide details such as material readings, readings of non-affected/affected areas, and equipment outputs so as to document the drying process. In case logs are not provided, the flood adjuster will be able to pay the amount equivalent to a reasonable expenditure that usually occurs as per calculations provided by FEMA


The professionals at ServiceMaster Metropolitan are well versed in SFIPs. We’ll help you navigate filing a claim for flood damage and ensure you’re not left with any surprise expenses. If your Edgewater, NJ home experiences flood damage, contact the flood damage cleanup experts for comprehensive services today at (855) 560-7999.

Tags: Flood Damage ·


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