Fort Collins has a recorded history of sudden flooding. On July 27-28, 1997, a slow-moving storm stalled over the city and dropped 14.5 inches of rain in 31 hours, and the Spring Creek area west of College Avenue was among the hardest hit. That history matters when you are drying out a home, because floodwater and ordinary leaks are treated differently by insurers. The Colorado Division of Insurance states that homeowners and renters insurance does not cover flood losses, so check your policy and any separate flood cover before work begins. The City also gives residents and businesses a discount on flood insurance premiums because of its floodplain management. When you hire for water damage or mould work, ask each company to put the scope in writing: which rooms will be dried, how moisture will be measured, what will be removed, and how mould will be cleaned and checked afterward. Ask for your insurer's requirements before you sign, and keep photos and records of the damage, so you can show the cause of the water.
Source: Fort Collins History Connection (City of Fort Collins) (source, opens in a new tab)