Storm Damage Repair

Most homeowner policies cover sudden, accidental damage like burst pipes, fire, and storm damage. Flood damage typically requires separate flood insurance through NFIP or private carriers. Gradual damage from neglected maintenance (slow leaks, deferred repairs) is usually excluded. Always document damage with photos before cleanup begins and contact your insurer within 24 hours. A reputable restoration company will work directly with your insurance adjuster.

Within 24-48 hours for water and flood damage — mold begins growing within 48 hours in moist conditions. Fire and smoke damage should be addressed within days, as soot becomes harder to remove over time and acidic residues corrode surfaces. Most reputable restoration companies offer 24/7 emergency response and can begin mitigation within 1-4 hours of your call.

Look for IICRC (Institute of Inspection, Cleaning and Restoration Certification) credentials: WRT for water damage, FSRT for fire/smoke, AMRT for mold. The company should carry general liability insurance ($1M minimum), workers compensation, and pollution liability insurance for hazardous materials. Ask for proof of certification and insurance before any work begins.