Downpours and flash flooding
Heavy summer thunderstorms dump rain faster than streets and creeks can carry it. The September 2009 floods hit Cobb, Gwinnett and DeKalb counties hard.
Georgia · 6 cities
Water damage restoration in Georgia
Georgia water damage follows the weather: summer cloudbursts that overwhelm basements and crawl spaces, occasional hard freezes that burst unprotected pipes, and humidity that turns a slow leak into a mold problem.
6Georgia cities covered
28ZIP codes
494,749homes in those ZIP codes
2regions with their own risks
Water damage and insurance in Georgia
Georgia homeowners policies generally cover sudden water damage but exclude flooding and gradual leaks. Water that seeps through basement walls or backs up through drains is often excluded unless you add water backup coverage.
Flood insurance through the National Flood Insurance Program usually has a 30-day waiting period before coverage starts, so it has to be in place before a storm, not after. See our insurance claims guide for how to document a loss.
Official help: Georgia Office of Commissioner of Insurance.
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Metro Atlanta
Atlanta-area homes usually have the main shutoff in the basement, crawl space or garage where the line enters, with the county meter in a box near the street.
Burst pipes in a mild climate
Hard freezes are occasional, so pipes in crawl spaces, attics and exterior walls often have little protection. The December 2022 cold snap burst pipes across the metro.
Basements, crawl spaces and red clay
Sloped lots mean many homes have basements or crawl spaces. Clay soil holds water against foundation walls, so poor grading and gutters show up as basement seepage.
Cities covered
North Georgia
Homes here usually have the main shutoff in the basement, crawl space or garage, with the meter in a box near the road.
Heavy thunderstorms
Summer storms bring short bursts of very heavy rain. Basements and lower levels on sloped lots take runoff when gutters and grading can't keep up.
Exposed pipes in cold snaps
Winters are colder here than in Atlanta, and pipes in crawl spaces, unheated garages and lake houses that sit empty are at risk during cold snaps.
Humidity and slow drying
Warm, humid air slows drying and speeds mold growth, so wet drywall, carpet and crawl space insulation need prompt attention.
Cities covered
Water damage in Georgia: common questions
Does Georgia homeowners insurance cover flood damage?
No. Standard homeowners policies exclude flooding from outside water. Flood coverage comes from a separate policy through the NFIP or a private flood insurer.
What causes the most water damage in Georgia homes?
Georgia water damage follows the weather: summer cloudbursts that overwhelm basements and crawl spaces, occasional hard freezes that burst unprotected pipes, and humidity that turns a slow leak into a mold problem.
Do you cover my city in Georgia?
We currently connect callers in 6 Georgia cities: Alpharetta, Cumming, Decatur, Gainesville, Lawrenceville, Marietta. Each city page lists the ZIP codes covered.
Water damage somewhere in Georgia?
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