After a flood in Caldwell, go back only when local officials say it is safe and stay out of standing water. Call (855) 727-0147 and we’ll connect you with an independent restoration company that serves Caldwell to remove water, mud and soaked materials.
What to do in the first 24 hours in Caldwell
- Stay out of floodwater. It can be contaminated and hide debris. Return only when authorities say it is safe (Ready.gov).
- Stay clear of wet electrics. Don’t touch electrical equipment if it is wet or you are standing in water. Turn off power only if you can do it safely (Ready.gov).
- Smell gas? Leave first. Atmos Energy serves Caldwell (Railroad Commission of Texas). From a safe place, call 911 and Atmos at 866-322-8667.
- Photograph the water line on walls, every room and damaged belongings before cleanup.
- Call the right insurer. Flood is usually a separate flood policy. Wind or roof damage goes to your homeowners insurer. Report both if both happened.
- Stop more water getting in. Tarp roof damage and cover broken windows, and keep receipts.
- Start drying within 24 to 48 hours where you can, to limit mold (EPA).
- Find a place to stay if the home is unlivable. National Flood Insurance Program policies don’t pay additional living expenses (TDI).
Local numbers to keep handy in Caldwell
| Who | Why you might call | Number |
|---|---|---|
| Emergency | Fire, injury or gas leak | 911 |
| Caldwell Fire & Rescue | Re-entry questions, fire report | 979-567-3271, ext. 600 |
| City of Caldwell utilities | Electric, water and wastewater | (979) 567-3271; after hours 979-567-4343 |
| Atmos Energy | Gas leaks | 866-322-8667 |
| City of Caldwell permits | Permits for repairs | permits@caldwelltx.gov |
| Burleson County | Floodplain and septic permits outside city limits | (979) 567-2333 |
| Burleson County Emergency Management | County emergency coordination | (979) 567-2001 |
What flood damage cleanup involves
Floodwater is treated as contaminated, so cleanup goes further than a clean-water leak.
| Stage | What happens | Typical duration |
|---|---|---|
| Safety check | Power, gas and structural hazards are checked first. | On arrival |
| Water and mud removal | Standing water is pumped out and mud and debris removed. | First days |
| Flood cut and tear-out | Wet drywall and insulation above the water line, carpet and pad are removed. | First days |
| Cleaning and disinfection | Surfaces that touched floodwater are cleaned and treated. | Before drying ends |
| Drying | Air movers and dehumidifiers run, with moisture readings logged. | Several days to a few weeks |
| Rebuild | Materials are replaced once dry. Floodplain rules may apply. | After drying and insurer review |
What it typically costs
- How high the water rose and how many rooms it reached.
- How long the water stood.
- Mud and debris removal.
- How much drywall, insulation and flooring must come out.
- Disinfection and drying time.
- Rebuild work, including floodplain permits.
How does insurance work for flood damage cleanup in Texas?
Your adjuster decides what your policy covers. The restoration company documents the damage and writes the estimate the adjuster reviews. It can’t negotiate your claim for you.
- Timelines: insurers have 15 business days to acknowledge a claim, then 15 business days to accept or deny it after receiving what they need. They can take 45 more days if they explain why (TDI).
- What to photograph: every affected room, the source of the damage and damaged belongings, before cleanup.
- What the restorer documents: photos, moisture readings or residue notes, a written scope and an itemized estimate.
- Deductible: you pay it. Texas law bars contractors from offering to waive, rebate or absorb it. A contractor also can’t act as your public adjuster (TDI: know the law).
- Living expenses: if covered damage makes the home unlivable, additional living expenses coverage may pay for a hotel and meals (TDI).
- Flood is separate: standard homeowners policies don’t cover flood, and new flood policies usually have a 30-day waiting period.
Problems with a claim? Call the Texas Department of Insurance help line at 800-252-3439 or file a complaint.
What’s specific to Caldwell?
- Flood insurance and floodplain permits. Burleson County takes part in FEMA’s National Flood Insurance Program, so development inside the floodplain needs a county floodplain permit. Applications go to the floodplain office, Suite 303 of the courthouse (Burleson County).
- No county building codes outside the city. Burleson County says it has no authority to create or enforce building codes in unincorporated areas, so rural repairs don’t need a county building permit. Floodplain rules still apply.
- Septic repairs need a permit. Burleson County requires a permit for every septic system, including repaired systems. That matters if a flood damaged one (Burleson County).
- The city runs electric, water and wastewater. The City of Caldwell provides electric, water, wastewater and solid waste services inside city limits. Call (979) 567-3271, or 979-567-4343 after hours (City of Caldwell).
- County emergency management. Burleson County’s Emergency Management Coordinator is based at 100 W. Buck St. in Caldwell, at (979) 567-2001 (Burleson County).
How getting help works
When you call or send the form, we connect you with an independent restoration company that serves your area. They inspect, document the damage and give you a written scope — you decide whether to hire them.
Questions to ask the company that comes out
- Which IICRC certifications does the lead technician hold (for example WRT, FSRT, OCT or AMRT)?
- Do you carry general liability and workers’ comp insurance, and can I see the certificate?
- Will I get a written scope of work before anything starts?
- Who will talk with my insurance adjuster, and what will you send them?
- If mold is involved: what is your TDLR mold remediation license number, and who did the independent mold assessment?
Frequently asked questions
Outside city limits, ask Burleson County’s floodplain office in Suite 303 of the courthouse, or call the county at (979) 567-2333. Inside the city, ask City Hall at (979) 567-3271.
Standard homeowners policies don’t. You need a separate flood policy, usually through the National Flood Insurance Program.
It depends on the water line and moisture readings. Wet drywall and insulation above the water line are usually removed.
For work in a mapped floodplain, usually yes. Check with the city, or the county outside city limits, before rebuilding.
The water line on walls, every room, damaged belongings and anything you remove, before it is moved.
Related help nearby
- Fire, smoke and water damage help in Caldwell
- Fire Damage Restoration in Caldwell
- Smoke Damage Restoration in Caldwell
- Water Damage Restoration in Caldwell
- Mold Remediation in Caldwell
- Flood Damage Cleanup: the full guide
- Water damage after a fire
Get connected with a local restoration company
Free. No obligation. Prefer to talk? Call (855) 727-0147.