Greeley's water damage history is tied to its rivers. In the September 2013 floods, the South Platte and Cache la Poudre Rivers began to flood low-lying neighbourhoods in Evans and Greeley in Weld County. If you live in a low-lying part of town, flood cleanup here can mean river water rather than a burst pipe, and that changes what you should ask about before you hire. Check your insurance first: the Colorado Division of Insurance says homeowners and renters insurance does not cover flood losses, and flood cover comes under a separate policy through the National Flood Insurance Program. Mould is also handled differently than you might expect. CDPHE says it does not regulate mold, and mold issues fall under two state laws covering landlord-tenant habitability and safe housing. That means you should ask any company for a written scope of work, what will be dried, removed or tested, and keep photos and records for your insurer or landlord.