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What we mean by Category 3 in plain English

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.

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When to call us immediately

Our process (4 steps)

  1. Assess, ventilate, and contain. Air scrubbers, plastic isolation, and posted hazard signage when you have small kids. We do not “open every window” if outdoor humidity is 90 percent; we use balanced drying strategy.
  2. Remove gross contamination and affected finishes. Bag, tag, and photo inventory for the carrier, especially for USAA and Farmers policies in Texas with strict documentation lists.
  3. HEPA-wash and sanitize remaining hard surfaces, then dry cavities with controlled equipment once plumbing is no longer discharging new material into the work zone.
  4. Clearance and next trades. We leave you with a written summary for rebuild contractors, mold pros if needed, and the plumber who will camera the line. No mystery holes.

Some 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.

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What insurance typically covers (Texas)

Sewer 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.

Questions we answer daily

Also see in Killeen

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.

Category 3? Do not wait for “business hours.”

24/7 Killeen dispatch with full PPE, documented for insurance, respectful of your family’s space.

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