The ongoing flood emergency affecting New Jersey, New York, Maryland, and Eastern Pennsylvania has caused unprecedented devastation in urban and suburban communities. Days of relentless rain, flash floods, and overflowing rivers have overwhelmed drainage systems, leading to extensive property damage. Despite the overwhelming destruction, there’s a strong sense of resilience in the faces of those affected. People are rolling up their sleeves, salvaging what they can, and supporting each other. After the disaster, homeowners and business owners face waterlogged basements, lost belongings, structural damage, and mold risk. A trusted partner like ServiceMaster Restore can help. Our team is available 24/7 for flood and water damage restoration and offers flexible financing, so you can act quickly without financial barriers.
What’s Happening Across NJ, NY, MD & Eastern PA
Over the past few days, the Northeast has been hit with some of the worst flooding in decades. Manhattan’s subway lines are underwater. Homes in Bergen County, NJ, are submerged. Streets in Eastern Pennsylvania have become rivers, and in parts of Maryland, rescue crews are navigating neighborhoods by boat. This kind of flooding doesn’t just damage buildings, it disrupts lives. Families are displaced. Businesses are forced to close. And the longer water sits, the more dangerous the situation becomes. Mold, rot, and structural damage can begin within just 24 to 48 hours. If you’re noticing musty smells, water stains, warped floors, or standing water, it’s time to act, fast.
How ServiceMaster Restore Can Help
With more than 65 years of experience, ServiceMaster Restore knows what it takes to help communities bounce back after disaster. Our licensed and highly trained technicians are equipped to handle everything from clean water intrusions to contaminated floodwaters. We provide a comprehensive suite of services that includes water extraction, structural drying, mold prevention and remediation, storm and weather damage cleanup, and odor elimination. We also handle pack out and content cleaning, which means we carefully remove, inventory, and restore your valuables and furniture during the cleanup process.
We understand how overwhelming this time can be. That’s why we prioritize clear communication, fast response times, and compassionate service. Our teams are already on the ground across NJ, NY, MD, and PA, ready to help you recover, one step at a time.
Flexible Financing Through GreenSky® | Helping You Recover Without Added Financial Stress
Flood damage often strikes without warning and so does the cost that comes with cleanup and restoration. At ServiceMaster Restore, we understand how overwhelming this can be. That’s why we’ve partnered with GreenSky®, a trusted name in home improvement financing, to offer flexible payment options that help ease the burden during a difficult time. Here’s what GreenSky® offers:
Credit limits as high as $100,000, giving you room to cover major repairs
Deferred interest plans that give you time to repay without added costs
An easy online application process that takes just minutes
Fast approval decisions so you don’t have to wait to get started
Whether your restoration needs involve water removal, mold remediation, or structural drying, GreenSky® makes it possible to pay overtime without delaying the help you need today. Even if your insurance hasn’t kicked in yet, or doesn’t cover everything, you don’t have to wait to begin restoring your home or business.
Will My Insurance Pay for Flood Damage?
It’s a question many homeowners ask, and the answer isn’t always straightforward. Most standard homeowners’ insurance policies cover water damage from things like burst pipes or appliance leaks. But flood damage caused by natural disasters, like heavy rain or hurricanes, is usually excluded unless you carry a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer.
If you're unsure what your policy includes, now’s the time to look it over. Speak with your insurance agent about your coverage limits, deductibles, and whether you have any water backup or flood riders. It's also important to remember that documenting the damage with photos and notes can make a big difference when filing a claim.
Does Renters Insurance Cover Flood Damage?
Unfortunately, renters’ insurance typically doesn’t cover damage to the building itself during a flood. However, many policies do offer coverage for personal belongings damaged by water if the policyholder has selected comprehensive content protection. It’s also worth checking with your landlord, many property owners carry building coverage that handles structural repairs. In the event coverage is limited or unavailable, renters may be eligible for FEMA disaster aid, which can help with temporary housing and basic repairs.
Does Auto Insurance Cover Flood Damage?
If your vehicle was caught in floodwaters, your coverage matters. Comprehensive auto insurance usually covers flood-related damage, including electrical issues and engine failure. But if you only carry liability or collision coverage, flood damage likely won’t be included. If your car has been exposed to high water, don’t start the engine. Contact your insurance provider right away to begin the claims process.
How Much Will FEMA Pay for Flood Damage?
FEMA offers financial assistance to eligible homeowners and renters who do not have adequate flood insurance. The aid typically covers temporary housing, essential home repairs, and replacement of critical personal items. However, it’s important to know that FEMA funds are meant to help you get back on your feet, they won’t cover full restoration or return your home to its original condition. The maximum grant available for individuals varies annually, and applying requires detailed documentation. Visit DisasterAssistance.gov to check eligibility and start your application.
What Is the Average Insurance Payout for Water Damage?
Water damage from covered events, like burst pipes, usually results in insurance payouts between $6,000 and $12,000. But when it comes to natural flooding, costs can soar well above $30,000, especially if structural elements, flooring, electrical systems, and personal items are affected. From 2010 to 2014 the NFIP reported the average flood claim was close to $42,000. The aftermath of flood damage can be devastating, and the insurance process can be complex.
We’re here to help make the process of filing a flood insurance claim a little less confusing. During the claims process, be sure to keep detailed records of each interaction with the insurance company. Log phone conversations with details and a brief description of your conversation. Maintain a copy of all communications, including printed versions of emails and any other digital communication.
Don’t Wait, Call ServiceMaster Restore Today
If your home or property has been impacted by flooding in NJ, NY, MD, or Eastern PA, take immediate action and call ServiceMaster Restore now. Our emergency team is available 24/7 to minimize damage and start your recovery without delay. Every minute counts. Call us today for fast help. Why choose ServiceMaster Restore:
Immediate dispatch and emergency response
Local crews serving your community
Affordable payment options through GreenSky®
Strong relationships with most major insurance providers
We live and work in the same neighborhoods we serve, so every call for help matters. Let us make your recovery our mission. Call ServiceMaster Restore or request service online now to protect your property and your peace of mind.