Wet living room floor with a damp rug and furniture pushed aside after a pipe leak in a Collierville, Tennessee house

Water Damage Restoration in Collierville, TN: Start Here

Collierville lists Public Services at 901-457-2800 for water and sewer emergencies and a police line after hours. Start with the right call, then protect the house.

Who to Call First in Collierville

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 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.

Collierville Contacts and Rules 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 the other Town offices a homeowner may need, as published on the Town's weather and emergency page.

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
Utility billing	901-457-2240, listed for utility billing questions	Checked: September 2026
Flood map and stormwater questions	Engineering Division, 901-457-2340	Checked: September 2026
Permits and codes	Building & Codes Division, 901-457-2310	Checked: September 2026
FEMA flood map dates	Study effective February 6, 2013; Nonconnah Creek revision effective March 3, 2017	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.

Collierville, TN water damage restoration — Collierville Contacts and Rules at a Glance

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.

Nonconnah Creek and Flood Zone Questions

Collierville's flood hazard areas along Nonconnah Creek appear on FEMA maps. The FEMA Flood Insurance Study took effect February 6, 2013, and the Nonconnah Creek areas were updated by a map revision effective March 3, 2017. The Town's Engineering Division is the office to ask about a specific address.

Town Engineering Division: 901-457-2340.
FEMA's flood maps page is an official source for flood maps.
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.

Collierville, TN water damage restoration — Tennessee Insurance Claim Rules Homeowners Should Know

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 (see its complaint page). For flood map questions, call the Town Engineering Division at 901-457-2340.

Frequently Asked Questions

Does homeowners insurance usually cover a burst pipe?

Often the resulting accidental water damage is covered, subject to the policy, its exclusions, the deductible and maintenance provisions. TDCI advises telling your insurer promptly. Because every policy differs, ask the insurer for a determination that applies to your policy and your loss.

Does a standard homeowners policy cover flood damage?

Standard homeowners insurance generally excludes flood damage. Separate flood insurance may be needed, and NFIP policies normally begin 30 days after purchase. A flood claim depends on the policy you hold, so check whether you have flood coverage before you assume you do.

When does my insurer have to respond to a claim?

Under Tennessee rule 0780-01-05-.08, within 60 days after receiving properly completed and executed proofs of loss, the insurer must accept or deny the claim or notify you that more investigation is needed. If the investigation stays incomplete, it must send letters with reasons 60 days after that notice and every 60 days thereafter. Payment is due within 30 days after it affirms liability, if the amount is determined and not in dispute.

Is a public adjuster worth hiring?

Hiring a public adjuster does not ensure payment. In Tennessee, the fee is capped at 15% of settlement proceeds if the contract precedes the insurer's offer, and after an offer at 25% of the increase over the insurer's last offer before the contract. Read the fee, scope and cancellation terms before you sign.

Does a restoration job in Collierville need a state contractor license?

It depends on project cost. 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. Ask the provider which license applies to your job.

What should I photograph before cleanup?

Photograph and video the source of the water, the affected rooms, the ceilings, walls and floors, and the contents, before anything is moved or thrown away, when it is safe to do so. TDCI and the Red Cross both recommend documenting damage, and receipts help too.

Is this website a restoration company?

No. It is an independent guide that helps homeowners find a local water damage restoration provider. It does not send crews or do the work. The pages explain who to contact, what to ask a provider and what the local and Tennessee rules say.

Water in your home right now?

See who to call first in Collierville, how to reach your water provider, and how to check your flood zone.

Who to Call First in Collierville