Is water damage covered by homeowners insurance?

Sudden and accidental water damage, like a burst pipe, is often covered. Slow leaks over time and flood water from outside are often treated differently. Your policy decides, and your adjuster will confirm.

How long does drying take?

Most homes take several days of drying, confirmed with moisture readings. Hardwood, plaster and cabinets can take longer. We do not close walls until the readings say it is dry.

Do you match my existing hardwood and trim?

That is the goal on every job. Our rebuild team works on custom millwork, plaster and hardwood, and we document what was there so your adjuster can see what matching requires.

Can I stay home during the work?

Often yes, in the rooms that are not affected. If the home is not livable, many policies include Additional Living Expense coverage. Ask your adjuster.

Water damage · All of New Jersey

Water damage repair and rebuild in New Jersey, with the insurance paperwork handled.

Burst pipe, failed water heater, roof leak or overflow. We get dry-out moving through a vetted partner, document everything your adjuster needs, and rebuild with finishes that match your home.

First 24 hours

What to do right now

1Shut off the water at the main valve if the source is a pipe or fixture.
2Turn off power to wet areas if it is safe to reach the panel. If not, stay out.
3Take photos and video of every wet room before anything is moved.
4Move valuables, rugs and art to a dry room. Prop furniture on blocks or foil.
5Call your insurance company to report the loss and write down the claim number.
6Send a request marked as an emergency so a dry-out partner can start. Wet drywall and floors get worse by the hour.

If it's still getting worse, send a request and mark it as an emergency. It goes to the top of the list.

Project lead walking through a finished room with a homeowner

For your insurance

What your adjuster usually needs

Photos and video of the damage and the source, before cleanup.
Moisture readings and a drying log from the dry-out team.
Receipts for anything you buy: fans, towels, a hotel night.
Do not throw out damaged items until the adjuster has seen them or approved disposal.
An itemized repair estimate the adjuster can review line by line.

More detail in our New Jersey claim guide.

Our process

One team, start to finish

One point of contact from the first call to the final walkthrough.

Call back

We learn what happened and get a dry-out partner on the way if needed.

Dry-out

Water removal, drying equipment and daily moisture readings.

Documentation

Photos, readings and an itemized Xactimate-style estimate for your adjuster.

Rebuild

Drywall, plaster, paint, trim, floors and cabinets, matched to what was there.

Questions

Common questions

Start your request

Tell us what happened.

Four short steps. A real person calls you back and walks you through what comes next.

About a minute to fill out.
Emergencies go to the top of the list.
No cost and no obligation to ask.

Keep reading

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