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With 21 FEMA disasters and 50.6 inches of annual rainfall, Poinsett County faces elevated water damage risk.
Federal water-related disaster declarations for Poinsett County — above the national average
Sustained moisture drives year-round mold risk and complicates drying efforts
Major water damage averages 44.2% of home value — a serious financial hit
Multiple hazard types combine to create persistent water damage exposure
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Arkansas's insurance landscape has specific rules that affect how you file and what you can recover. Here's what homeowners need to know.
Sudden and accidental damage — burst pipes, appliance failures, storm intrusion through compromised roofing.
Gradual leaks, deferred maintenance, flood damage (requires separate NFIP policy), sewer backup (often a rider).
3 years
Yes — you may select your own restoration contractor rather than your insurer's preferred vendor.
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Water damage spreading? A free assessment can save thousands.
Call (844) 668-2858Lepanto has a 0.7× cost index — below national averages for restoration labor and materials.
| Damage Level | Cost Range | Timeline | Typical Cause |
|---|---|---|---|
| Minor | $800 – $3,500 | 1–2 days | Small leak, appliance overflow |
| Moderate | $3,500 – $10,500 | 3–5 days | Burst pipe, storm intrusion |
| Major | $10,500 – $35,000 | 1–3 weeks | Flooding, sewage, structural |
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Humidity is the hidden accelerator in water damage. In Lepanto, ambient moisture levels make professional drying equipment essential.
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Water damage spreading? A free assessment can save thousands.
Call (844) 668-2858With 21 FEMA water disaster declarations, Poinsett County has a significant history of federally-declared water emergencies.
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The first 60 minutes after water damage are critical. Here's exactly what to do — and what to avoid.
Shut off the main water valve if it's a pipe. If it's storm-related, move to step 2. Don't enter standing water near electrical outlets.
Turn off breakers to any room with standing water. If the breaker panel is in the flooded area, call your utility company first.
Photograph and video all damage before touching anything. Your insurance claim depends on evidence of initial conditions.
Don't wait. In Lepanto's climate, mold begins colonizing within 24–48 hours. The faster pros start extraction, the lower the total cost.
Move electronics, documents, and irreplaceable items to dry areas. Lift furniture off wet carpet with aluminum foil under the legs.
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