Water Damage Restoration in Collierville, TN: Start Here
If water is entering a Collierville home, stop it only if you can do so safely, stay away from wet electrical equipment, photograph the damage and tell your insurer. Then choose a provider.
Request Water Damage HelpWe dispatch a certified local crew to homes in Collierville, TN — on site in about 60 minutes.
What to Do First When Water Is Inside Your Collierville Home
Get people out of danger first. If water is still entering your home, use the main shut-off valve only if you can reach it safely, or seek qualified help. In Collierville, the Town lists Public Services for water and sewer emergencies during the day and a police non-emergency line after hours. The steps below cover the first moments.
- Leave the area if you smell gas, see sparks, or find standing water near electrical equipment. The American Red Cross brochure advises leaving at once if you smell gas and calling the fire department once you are safe.
- Call 911 for an immediate life-safety hazard, a gas odor or a suspected electrocution.
- Use your home's main shut-off valve if you can reach it safely. Do not force a valve you cannot operate; seek qualified help.
- FEMA says to turn off electricity at the main breaker or fuse box only if it is safe, and not to touch electrical equipment that is wet or while standing in water.
- Photograph and video the damage before cleanup when it is safe. The Tennessee Department of Commerce and Insurance (TDCI) and the Red Cross both recommend documenting damage.
- Tell your insurer promptly and keep receipts for temporary repairs.
Water from a Town line, a sewer backup or a flood question each has its own contact. Find who to call first in Collierville for the numbers and what each office handles.
About This Guide and How to Choose a Provider
This is an independent guide for Collierville homeowners. It helps homeowners find a local water damage restoration provider, but it is not a contractor and does not do the work. The pages here explain who to contact, what your policy may say, and what to ask before you hire anyone.
- Ask whether the provider serves your address and ZIP code.
- Ask for proof of insurance and any trade license the job requires.
- Ask for an itemized written estimate. Cost depends on the water category, the area affected and the materials involved. Ask your insurer whether an adjuster's estimate is available for comparison.
- Ask what moisture readings the provider will take and how you will be able to see them.
Two topic pages go deeper: mold after water damage in Collierville and what to do about a ceiling leak in Collierville.
Water in the house right now? Leave your number.
The first hour after water damage in Collierville
- Shut off the main water valve and stop the source if it is safe.
- Turn off power to wet rooms at the breaker — never walk through water near outlets.
- Take photos and video of every wet area before anything is moved — your insurer will ask.
- Move furniture, rugs and electronics off wet floors; open interior doors for air flow.
- Do not use a household vacuum on standing water and do not peel back wet drywall yourself.
- Call for emergency dispatch: Call (901) 261-7414. A certified crew starts extraction and drying the same visit.
What happens when you call
- When you call. A live dispatcher takes the address and what is wet — 24/7, holidays included.
- Within minutes. We dispatch a certified local crew closest to you in Collierville.
- ~60 minutes. The crew arrives, finds the source, and maps hidden moisture with meters and thermal cameras.
- Same visit. Water extraction starts; industrial dehumidifiers and air movers go in.
- 3–5 days. Daily moisture checks until the structure is dry; photos and readings go to your insurer.
Collierville Emergency Lines at a Glance
For a water or sewer emergency, the Town of Collierville lists Public Services at 901-457-2800. After hours, the Town lists the police non-emergency line at 901-853-3207. The table shows these two lines as published on the Town's weather and emergency page, which also lists the Town's other offices for billing, flood maps and permits.
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| Topic | Contact or fact from the Town of Collierville | Checked |
|---|---|---|
| Water or sewer emergency, daytime | Public Services, 901-457-2800 | Checked: September 2026 |
| Water or sewer emergency, after hours | Police non-emergency line, 901-853-3207 (a police number) | Checked: September 2026 |
901-853-3207 is a police line and 901-457-2240 is utility billing. For a water or sewer emergency during the day, the Town lists Public Services at 901-457-2800.
Water Categories and What They Mean for Cleanup
Water damage is not one problem. Clean water from a supply line, used water from an appliance or drain, and sewage or floodwater call for different handling, and the more contaminated the water, the more careful the cleanup has to be. A restoration provider judges your situation; these plain-language groups are only a guide.
- Clean supply water: water from a broken supply line or water heater generally starts out the cleanest.
- Used "gray" water: water from an appliance or a drain has already been used and carries more contamination.
- Sewage and floodwater: restoration practice treats these as heavily contaminated, so keep children, pets and anyone without protection away.
Mold is a separate risk that builds on wet materials. The mold guidance for Collierville homeowners sets out what FEMA, EPA and CDC each say about timing.
Flood Zones Along Nonconnah Creek
Collierville's mapped flood hazard areas follow Nonconnah Creek. FEMA's Flood Insurance Study for the area took effect February 6, 2013, and the Town notes that the Nonconnah Creek flood hazard areas were updated by a map revision effective March 3, 2017. To learn whether a specific address sits in a mapped zone, ask the Town's Engineering Division.
- Town Engineering Division: 901-457-2340.
- FEMA publishes official flood maps at its Flood Map Service Center.
- NFIP flood insurance covers up to $250,000 on the building and $100,000 on contents, and coverage normally begins 30 days after purchase, with exceptions such as a lender-required purchase or a map change, according to FEMA and FloodSmart.
Guidance from TDCI says standard homeowners policies typically exclude flood, storm water that does not damage the roof or walls, and backed-up drains or sewers. Your policy wording controls.
Tennessee Insurance Claim Rules Homeowners Should Know
Tennessee rule 0780-01-05-.08 says that within 60 days after receiving properly completed and executed proofs of loss, an insurer must accept or deny the claim or notify you that more investigation is needed. Payment is due within 30 days after the insurer affirms liability, if the amount is determined and not in dispute. Your policy wording still controls the outcome.
- If the investigation is still incomplete, the insurer must send a letter giving the reasons 60 days after that notice and every 60 days thereafter (rule .08(2)).
- The insurer must give notice of an applicable statute of limitations at least 30 days before it may expire (rule .08(5)).
- A public adjuster's fee in Tennessee is capped at 15% of settlement proceeds if the contract precedes the insurer's offer; after an offer, it is capped at 25% of the increase over the insurer's last offer before the contract. A special 10% cap applies to a catastrophic-disaster total loss within the first 12 months of a mortgage financing 100% of the purchase price (Tenn. Code §56-6-913).
Read the rule at the Tennessee Secretary of State rules library and the statute in Section 14 of Tennessee Public Chapter 997, codified at Tenn. Code §56-6-913. This is general information, not legal or insurance advice. The ceiling leak page for Collierville homes covers what to do before the adjuster arrives.
Contractor License Rules Before You Hire
The Town of Collierville says residential projects that exceed $3,000 need a properly licensed contractor, and the State sets the license type by project cost. Ask any provider what license the job requires, and check the rules below before you sign anything.
- Collierville's Building & Codes page lists a state home improvement contractor license for residential projects between $3,000 and $25,000 and a state general contractor license for projects exceeding $25,000.
- State of Tennessee: Tennessee requires a contractor license when acting as a prime contractor on projects costing $25,000 or more. In Shelby County, a home improvement license is required for residential remodeling projects costing $3,000–$24,999.
- For permit questions, the Town lists its Building & Codes Division at 901-457-2310.
The details are on the State's contractor license page.
If That Did Not Work
If your first call does not settle things, you still have three exits: try again, try another route, or bring in someone who oversees the problem. Ask the office about availability and what to do while you wait, and keep taking safe steps to protect the house.
- Try again: call Public Services at 901-457-2800 during the day. After hours, the Town's listed route is the police non-emergency line at 901-853-3207.
- Try another route: if the water comes from your own plumbing, use your main shut-off valve if you can reach it safely or ask a plumber, and contact a restoration provider that serves your ZIP code for the water already in the house.
- Who to contact: for a problem with your insurer, TDCI takes consumer questions at 615-741-2218 or 800-342-4029. For flood map questions, call the Town Engineering Division at 901-457-2340.
Frequently Asked Questions
Does homeowners insurance usually cover a burst pipe?
Does a standard homeowners policy cover flood damage?
When does my insurer have to respond to a claim?
Is a public adjuster worth hiring?
Does a restoration job in Collierville need a state contractor license?
What should I photograph before cleanup?
Is this website a restoration company?
Local water damage risks in Collierville
Flood insurance claims in the county
FEMA's flood insurance program has paid 1,019 flood claims in the county since 1978, averaging $32,121 per claim. The heaviest year was 2010.
Wolf River Flooding
The Wolf River floods in storm season and sends water into Collierville properties. Flood cleanup here means removing contaminated water and drying the structure before mold sets in.
January Freeze Pipe Bursts
Hard January freezes burst supply lines in Collierville homes. A fast shutoff and extraction response keeps a single break from soaking floors and walls.
One-Hour Downpour Flooding
Intense one-hour downpours can flood Collierville yards and garages in minutes. Quick water removal protects slabs, crawl spaces and framing.
Slab and Crawl Space Moisture
Slab edge moisture, crawl space dampness and concealed slab leaks are common around Collierville. Moisture mapping finds hidden water before it spreads.
Heavy Rain Flooding
Heavy rains and plumbing failures are the most common reasons Collierville homeowners call for flood cleanup. Mold can start within 24 to 48 hours, so fast drying matters.
Typical water damage costs in Collierville
| Job | Typical range |
|---|---|
| Structural drying | $200–$600/day |
| Mold remediation | $1,500–$5,000 |
| Drywall replacement | $3–$6/sq ft |
| Hardwood floor restoration | $5–$12/sq ft |
| Carpet replacement | $3–$8/sq ft |
| Thermal imaging assessment | $150–$400 |
| Content pack-out and restoration | $500–$3,000 |
| Emergency water extraction | $500–$2,500 |
Estimates only — the on-site inspection is free, and most covered losses are billed straight to your insurer.
Insurance and payment
- Free on-site inspection and written estimate.
- The crew works directly with your insurance company and documents every step for the claim.
- Sudden leaks — burst pipes, water heaters, appliance lines — are usually covered by a standard HO-3 policy.
- Flood water from outside needs a separate flood policy (NFIP or private); sewer backup needs an endorsement.
Request water damage help
Describe the damage. We pass your request to a restoration company serving your area, which contacts you to arrange an inspection.