After flooding, the hardest calls are not the dramatic ones. They are the quiet ones inside walls and under cabinets, where moisture lingers and mold starts. This guide turns the most common materials into a clear decision tree so you can move fast, document properly, and avoid rework.
FloodMart Decision Tree
Make the removal calls with less guessing and fewer do-overs
The fastest path to a clean rebuild is usually: document first, remove what cannot dry fast enough, and create a drying path for what can be saved. CDC guidance emphasizes drying quickly, ideally within 24 to 48 hours, to reduce mold growth. FEMA guidance for post-flood cleanup commonly advises removing drywall and insulation that contacted floodwaters, because porous materials can hold contamination and moisture.
Drywall
Insulation
Cabinets
Cut-height helper
Claim-friendly documentation
Start here: three rules that keep you out of trouble
Rule 1: If you suspect contamination, act more aggressively
River flooding, storm surge, sewage backup, and unknown water should be treated as contaminated. In those cases, porous materials and soft goods often cannot be safely cleaned enough to keep.
Rule 2: Photos before cleanup, always
FloodSmart recommends documenting damage with photos and video and capturing serial numbers before you clean, repair, or throw items away.
Rule 3: The 24 to 48-hour window matters.
CDC mold guidance says if you cannot dry your home and belongings within 24 to 48 hours after flooding, you should assume mold growth and focus on complete drying, cleaning, and removing items that cannot be dried.
Quick PPE reminder for demolition and cleanup
- Respiratory: At minimum, a well-fitting N95 for dusty demolition or suspected mold.
- Hands and eyes: Gloves and eye protection.
- Skin: Long sleeves and boots, especially for contaminated water.
If you have asthma, immune suppression, or major contamination, consider professional remediation.
Fast triage checklist (claim-friendly)
Use these as your first 10 minutes of “proof” before any tear-out.
📸 Doorway-wide photos
One wide shot per room, then close-ups of water lines and swelling.
🎥 Video walkthrough
Narrate room names and point out the highest water line.
🏷️ Serial numbers
FloodSmart calls out serial numbers as helpful claim documentation.
🧾 Receipts folder
Track pumps, fans, dehumidifiers, disposal, and protective actions.
Remove vs Save Decision Tool (Drywall + Insulation + Cabinets)
Output is conservative on contamination and on materials that trap moisture. Use moisture meters and professional assessment when the stakes are high.
Cut-height helper for drywall (planning estimate)
Common practice: When drywall cannot be dried quickly, many remediation protocols cut above the visible wet line to open the cavity and remove damp insulation. One example guidance document recommends removing wallboard below a line about 12 inches above the water mark if the wallboard cannot be dried within about 48 hours, then removing damp insulation and ventilating the cavity.
This helper is not a substitute for a moisture meter and inspection. If water was contaminated, removal decisions become more conservative and more materials are discarded.
Material-by-material cheat sheet (why the tree makes those calls)
This section explains the logic in plain language so you can sanity-check decisions before you tear out half a room.
Drywall (gypsum board): what usually forces removal
| Condition | Lean toward saving (with fast drying) | Lean toward removal |
|---|---|---|
| Clean water, caught quickly | Minor splash, no swelling, seams intact, fast drying started. | Soft drywall, bulging, crumbling corners, or water wicked up behind baseboards. |
| Time wet | Less than 24 hours with strong drying. | More than 48 hours, especially if cavities stayed closed or humidity stayed high. |
| Contamination | Rare to keep if floodwater contacted it. | FEMA cleanup guidance commonly advises removing drywall that contacted floodwaters. |
| Mold or odor | None, and moisture readings confirm dry. | Visible mold or persistent musty odor suggests hidden growth in paper facing or cavities. |
CDC guidance emphasizes drying within 24 to 48 hours to prevent mold growth. For floodwater contact, FEMA guidance often recommends removal of drywall and insulation to speed safe recovery.
Insulation: why it often comes out even when walls look “fine”
The hidden problem: Insulation can stay wet long after surfaces look dry. That trapped moisture keeps wood framing damp and raises mold risk inside the cavity.
| Insulation type | What it does when wet | Typical decision |
|---|---|---|
| Fiberglass batt | Holds water and loses performance. Can slow cavity drying. | Often removed if wet, especially with floodwater contact or long wet time. |
| Cellulose | Absorbs water, compacts, and dries slowly. | Usually removed if saturated or if drying cannot be confirmed quickly. |
| Spray foam | Closed-cell can resist water better than porous insulation; open-cell can absorb. | Case-by-case with professional assessment and moisture readings. |
| No insulation | Cavity dries faster if opened and ventilated. | Focus on drying framing and preventing trapped moisture behind finishes. |
FEMA post-flood cleanup guidance commonly advises removing insulation that contacted floodwaters. This is especially important for fibrous insulation that traps moisture and contamination.
Cabinets: the toe-kick and box material decide the outcome
The cabinet truth: The base and toe-kick area takes the hit first. Particleboard and MDF swell and lose strength. Plywood and solid wood can sometimes be dried and repaired if exposure was brief and water was clean.
| Cabinet construction | Signs it might be saved | Signs it should go |
|---|---|---|
| Particleboard / MDF | Very limited cases with minimal wetting and no swelling. | Swollen toe-kick, veneer peeling, base separating, doors no longer align, musty odor. |
| Plywood boxes | Brief clean water exposure, toe-kick intact, drying started quickly, no delamination. | Delamination, persistent odor, or long wet time in a closed cavity. |
| Solid wood | Can often be cleaned, dried, and refinished if structure remains sound. | Contaminated water contact often pushes toward removal for hygiene and hidden growth risk. |
Even when cabinet faces look okay, moisture can remain under the base. If cabinets trap wet drywall and insulation behind them, removal of at least the toe-kick and access panels can be necessary to dry safely.
Sources used (official links)
- CDC: Dry quickly after a storm or flood, within 24 to 48 hours if possible: https://www.cdc.gov/natural-disasters/safety/index.html
- CDC PDF: Homeowner’s and Renter’s Guide to Mold Cleanup (assume mold growth if not dried within 24 to 48 hours): https://www.cdc.gov/mold-health/media/Homeowners_and_Renters_Guide.pdf
- EPA: Mold cleanup in your home (porous items may have to be thrown away if moldy; clean hard surfaces and dry completely): https://www.epa.gov/mold/mold-cleanup-your-home
- EPA: Mold course chapter (porous materials wet with mold may have to be discarded): https://www.epa.gov/mold/mold-course-chapter-4
- FEMA fact sheet: Don’t wait to clean up or make repairs (remove drywall and insulation that contacted floodwaters): https://www.fema.gov/fact-sheet/dont-wait-clean-or-make-repairs-1
- NIH ORF guidance example: wallboard removal guidance when not dryable within 48 hours (includes 12 inches above water mark reference): https://orf.od.nih.gov/TechnicalResources/ORFPolicies/Pages/remediating_moisture.aspx
