A Category 3 loss is the kind where you can smell it before you see it, and the wrong move is to start throwing towels in the wash with the rest of the laundry. Whether the city main surcharged after a gully washer near Nolan Creek, your lateral line failed, or a wax ring let go in an upstairs townhome, we show up in full PPE, isolate HVAC when needed, and remove unsalvageable materials instead of “sanitizing” paper-faced gypsum in place. In Killeen, where clay soils shift plumbing, we have seen the same block of homes on the same day—call before you start cutting drywall in flip-flops.
Category 3 water is grossly contaminated and can carry bacteria, viruses, and soil from your yard or a municipal system. IICRC S500 treats it with higher cautions for worker safety and disposal than a burst kitchen supply line. In Texas, landfills and biohazard rules mean we bag, label, and sometimes coordinate separate hauls—not just toss wet carpet on the curb for bulk pickup. If you are in an HOA, we can provide letterhead and photos so you meet notice rules without you posting gory details on the neighborhood app.
Multi-generational Killeen homes sometimes have older cast iron and Orangeburg lines; tree roots in Copperas Cove lots love clay pipe joints. A camera scope that insurance pays for (sometimes) may come after we make the home safe, not before. We do not play plumber, but we talk clearly with the licensed partners we trust so you are not in the dark about next steps.
Raw sewage on the floor right now? Keep people and pets out, turn off the HVAC if return paths are in the same airspace, and call for extraction before you track it through the house.
📞 24/7 responseSome carriers want pre-testing for bacteria; others do not. We are flexible with your adjuster’s process as long as it does not delay life-safety steps. In Salado and Temple, out-of-county adjusters may not know Killeen lateral sewer quirks—we put context in the narrative so a desk 200 miles away gets it the first time.
Plumber is already on the way? Great. We still need mitigation running in parallel so framing does not marinate. Call and we will match dispatch windows with their ETA.
📞 Coordinate dispatchSewer and water backup endorsements differ widely. State Farm’s sewer or drain coverage, Allstate’s water backup of sewers or drains, and Farmers’ backup of sewers and drains (check your exact form number) may pay for mitigation, tear-out, and sometimes line repair subject to a sublimit, often $5,000 to $15,000 unless you increased it. Flood from rising creeks in late spring is usually under a separate flood policy, not the HO3, even if the water looks the same in your rec room. We are honest about that split so you are not caught without coverage and surprised by a bill.
USAA and military family policies often have unique deductibles; we are used to working with the documentation those desks request.
Insurance treatment can differ. Mitigation still starts as Category 3 for health safety.
Spores, fluids, and pad hide where DIY cannot reach. Removal plus controlled drying is the standard.
Sometimes via endorsement. Call your agent to confirm; we can still work same day.
We work with on-post housing and landlord notice rules when you need a paper trail for move-in clearance.
After sewage removal, you may need mold remediation if time-to-dry was long, or a fresh drying plan for wet framing before rebuild. We bundle scopes when the same crew can do so safely in sequence.
24/7 Killeen dispatch with full PPE, documented for insurance, respectful of your family’s space.