Updated October 29, 2026
Check what your cabinets are made of
Open the sink base and look at a cut edge on the bottom or a side panel. Plywood shows thin layers of wood glued together. Particle board looks like pressed wood chips, and MDF looks like dense cardboard. FEMA's flood repair guide lists particle board and fiberboard among materials that fall apart when wet, and notes that solid wood can usually be cleaned and repaired while wood veneer often separates and warps.
If the boxes are sound and only the finish is ruined, see what cabinet refinishing costs in Miami. The sink base usually fails first, since it may already have had small leaks before the flood. Look for swollen bottom edges, a soft floor panel, laminate peeling at the seams and doors that no longer close flat.
Why cabinets often come out even when they are fine
The cabinet box is only half the problem. Behind it is drywall that soaked up water like the rest of the room, and under it is a toe kick space that holds wet dirt against the slab. If the lower cabinets stay in place, that wall cannot get a proper flood cut and dry out, and mold grows where nobody will see it.
So lower cabinets are often removed carefully, labeled and set aside while the wall and slab dry, then reinstalled. Whether that works depends on the countertop. A stone top can make removal impractical, and then the drying has to happen through the back and the toe kick. We decide that at the walkthrough, not over the phone.
Related questions
Can I just replace the doors or the toe kick?
Sometimes. If the boxes are plywood or solid wood, read dry after a few days, and only the doors, drawer fronts or toe kick swelled, replacing those parts is a real option. MDF doors that swelled at the bottom edge do not shrink back, but new doors can be made to match, or the whole kitchen can get new doors and a fresh finish at the same time, which often costs less than new cabinets. That is the same work we do in cabinet refinishing, and our guide to refacing versus replacing walks through the choice. It is not an option when the box itself is particle board and the bottom panel or sides have swelled or gone soft, because that is the structure holding up the countertop. And it never makes sense before the wall behind the cabinets has been opened and dried, because new doors on a wet base just move the mold problem a few inches back.
Does flood insurance pay for kitchen cabinets?
Under the National Flood Insurance Program, building coverage includes attached cabinets, along with the structure, plumbing, electrical systems and central air, according to FloodSmart. That means base cabinets damaged by a covered flood are generally part of the building claim, not contents. What helps the claim is proof of what you had. Before anything comes out, photograph each cabinet open and closed, the water line on the boxes, and the cut edge that shows the material. Keep a door or a cut piece as a sample. Write down the brand if there is a label inside a drawer, and find the receipt or the original kitchen invoice if you have it. If the cabinets have to come out so the wall can dry, ask your adjuster how they want the removal and reinstall documented. Private flood policies can differ, so read yours or ask your agent.
Areas hit by the October tide
- King tide flood damage repair in Fort Lauderdale
- King tide flood damage repair in Hollywood
- King tide flood damage repair in Miami Beach
- King tide flood damage repair in Miami and Miami Shores
More questions
- When is the next king tide in Fort Lauderdale and Miami?
- What should I do after king tide water gets into my house?
- What is a flood cut, and how high should drywall be cut after a flood?
- How long does it take to dry out a house after a flood?
- How fast does mold grow after a flood, and how do I stop it?
- Does insurance cover king tide flooding?
- My garage flooded with saltwater. What do I do?
- Is it safe to stay in a house after flooding?
- How can I tell if my drywall has water damage after a flood?
- Are king tides getting worse in South Florida?
- Who do I call for water damage after a flood?
- How do I file a flood insurance claim after the king tide?
- Which flooring can be saved after a flood: tile, laminate, vinyl or wood?
Sources
- FEMA P-234, Repairing Your Flooded Home (copy hosted by the National Center for Healthy Housing)
- FloodSmart (NFIP), What is covered by a flood insurance policy for homeowners
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