Water Damage?
Act Fast.

Water damage restoration costs range from $1,200 for minor damage (small leak, limited area) to $5,000–$20,000+ for major flooding or sewage backup. The national average is around $3,000–$5,000. Key cost factors include the category of water (clean, gray, or black), the extent of damage, materials affected (drywall, flooring, insulation), and whether mold remediation is needed.

Immediately — within the first 24–48 hours is critical. Water damage worsens rapidly: mold can begin growing within 24–48 hours, drywall and wood begin to swell and warp within hours, and structural damage accelerates the longer water sits. Call a restoration contractor the same day you discover water damage, even if it seems minor.

Category 1 (Clean Water): From a broken pipe or supply line. Least dangerous. Category 2 (Gray Water): From appliances, washing machines, or sump pump failures. Contains contaminants. Category 3 (Black Water): From sewage backups, flooding, or standing water. Highly contaminated and requires full protective equipment and specialized remediation.

It depends on the cause. Sudden and accidental water damage (burst pipe, appliance failure) is typically covered. Gradual leaks, flooding from outside, and sewer backups are usually NOT covered by standard policies. Flood damage requires separate flood insurance through the NFIP or a private insurer. Always document damage thoroughly with photos before cleanup begins.

The process typically involves: (1) Emergency response and water extraction; (2) Moisture mapping and assessment; (3) Drying with industrial dehumidifiers and air movers (3–5 days); (4) Removal of unsalvageable materials (drywall, flooring, insulation); (5) Antimicrobial treatment to prevent mold; (6) Reconstruction and restoration of affected areas.

Visible mold growth (black, green, or white spots), a musty odor, and water stains are the most common signs. Mold can also grow inside walls and under flooring where it's not visible. If water damage was not properly dried within 48–72 hours, assume mold is present and have a professional inspect before reconstruction begins.