24/7 Emergency · Storm Damage Restoration

Storm Damage Water Restoration USA

Hurricane to hailstorm — tarp-up, dry-out, full reconstruction. One team, end-to-end.

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60-Minute Response
Licensed & IICRC Certified
All Insurance Accepted
Free Inspection

Licensed & Insured

Fully bonded crews

IICRC Certified

Industry-leading standards

BBB Accredited

A+ Rating

24/7 Emergency

60-min response

Free Estimates

No obligation

What it is

What Is Storm Damage Restoration?

Storm damage restoration is the comprehensive process of returning a storm-impacted home to pre-loss condition — covering everything from emergency board-up and roof tarping in the first hours, through water extraction and structural drying in the first week, to full reconstruction (drywall, flooring, paint, cabinets) in the weeks that follow. Storm losses are uniquely complex because they often combine multiple covered perils: wind damage (covered by HO policy), water damage (covered subject to cause), and rising-water flood damage (covered only by separate NFIP flood policy). Proper documentation and cause-classification protects your claim from being unfairly reduced.

When You Need Storm Damage Restoration

Hurricane wind and rain damage (Atlantic and Gulf Coast hurricane seasons)
Tornado damage with structural breach and water intrusion
Severe thunderstorm wind and hail with roof damage
Atmospheric river / Pineapple Express flooding (West Coast)
Snow load roof collapse and ice dam water damage (Northeast & Midwest)
Microburst or derecho damage to roofing and siding
Tropical storm flooding from runoff or rising water
Lightning strike fire suppression water damage

Our Process

Step-By-Step: How We Handle Storm Damage Restoration

Every job follows the same proven process — based on IICRC standards and refined across thousands of restoration projects.

01

Emergency mitigation (first 24h)

Roof tarping, window board-up, debris removal, and immediate water extraction to stop further damage. Photos and inventory documentation begin here.
02

Insurance carrier notification & claim opening

We help you file the claim within the policy's notice deadline (usually 24–72 hours for hurricanes). Adjuster meeting coordinated for the next phase.
03

Comprehensive damage assessment

Roof inspection (drone + on-roof), interior moisture mapping, electrical and HVAC integrity check, structural review. Each cause classified per policy.
04

Water extraction & containment

Truck-mounted extraction of all standing water. Containment to limit drying chambers. Cat 1 vs. Cat 3 classification critical for storm-flood mixed losses.
05

Structural drying with monitoring

LGR or desiccant dehumidification depending on humidity levels (Florida summer post-hurricane often requires desiccants). Daily monitoring through dry-down.
06

Mold prevention & remediation

Antimicrobial treatment on every affected surface. Visible mold (common in storm losses with delayed response) remediated per IICRC S520.
07

Reconstruction & finish work

Drywall, insulation, flooring, cabinets, painting, trim — restored to pre-loss appearance. Roof repair coordinated with licensed roofers.

Equipment & Methods

Pro Tools — Not Hardware-Store Equipment

What separates restoration from DIY isn't effort — it's equipment. Here's what we bring on every storm damage restoration job.

Truck-mounted extractors (100+ GPM)

Mass water removal from flooded areas

Submersible pumps & generators

Power and pumping when grid is down

Roof tarp kits & emergency board-up materials

Prevents further water intrusion within the first 24 hours

Drone roof inspection systems

Safe inspection of damaged roofs without ladder risk

Desiccant dehumidifiers (Phoenix, Dri-Eaz)

Effective in high-humidity post-hurricane environments where LGRs struggle

Industrial air scrubbers

Air quality control during demolition and drying

Thermal imaging cameras

Detects hidden water in roofs, walls, and ceilings

Xactimate estimating software

Insurance-grade scope and pricing documentation

Costs & Insurance

What Does It Cost — And Will Insurance Pay?

Typical Cost Range

$5,000 – $50,000+ depending on storm severity and reconstruction scope

Storm damage restoration costs vary enormously with severity. Minor storm water damage (small roof leak, contained) runs $2,500–$8,000. Moderate damage (hurricane-related, multi-room) runs $15,000–$40,000. Severe damage (major hurricane, multiple homes per crew) often exceeds $75,000 with full reconstruction. Wind-driven damage is typically subject to a separate hurricane deductible (1–5% of dwelling coverage in coastal states), and rising-water flooding is only covered if you carry NFIP or private flood. We help you navigate which damage falls under which deductible.

See full pricing breakdown

Insurance Coverage

Storm damage involves multiple coverages: dwelling (HO-3), wind/hurricane (often higher deductible), flood (separate NFIP or private flood policy), and additional living expenses (ALE) when displaced. We classify each damaged area by cause — wind-driven rain through roof = covered under HO; rising water from street = NFIP; falling tree on house = HO. Proper classification can save thousands in deductible exposure. We work directly with adjusters from State Farm, Allstate, Citizens (Florida), Liberty Mutual, USAA, and others.

How we handle your insurance claim

What Not To Do

Common Mistakes That Make It Worse

Most secondary water damage is preventable. Here are the mistakes we see most often — and what they cost.

Waiting for the adjuster before mitigation

Insurance policies require you to mitigate further damage immediately. Waiting 5 days for an adjuster while your roof leaks is a coverage reducer. Always tarp/board-up first, document second, then meet the adjuster.
Filing a flood claim when the cause was wind

Misclassifying cause can deny coverage entirely. NFIP doesn't pay for wind-driven rain through a damaged roof — that's HO. Get the cause right or risk the whole claim.
Hiring an out-of-state 'storm chaser' contractor

Post-hurricane, fly-by-night contractors flood disaster zones — take deposits, do shoddy work, then disappear. Verify state contractor license and physical local presence.
Settling too quickly with the carrier

First-offer settlements after major storms often underestimate hidden damage discovered later (mold, structural). Ensure your scope includes a re-inspection allowance before signing.
Skipping post-storm mold prevention

Florida and Gulf Coast humidity make 24–48 hour mold colonization the norm. Antimicrobial treatment is essential, not optional.

Why Speed Matters

Every Hour You Wait Multiplies The Damage

Storm losses compound exponentially — every additional hour of water exposure means more drywall replaced, more framing rotted, more mold to remediate. The first 24 hours of emergency mitigation determines whether your loss is $20,000 or $200,000. Insurance carriers also expect prompt mitigation; failure to mitigate is a common reason for claim reductions.

FAQ

Storm Damage Restoration Questions

Will my homeowners insurance cover hurricane damage?

Wind damage is covered, typically subject to a separate hurricane deductible (1–5% of dwelling coverage in coastal states). Wind-driven rain through a wind-damaged roof or window is also covered. Rising-water flooding is NOT covered by standard homeowners — it requires NFIP or private flood insurance.

What's a hurricane deductible?

Many coastal-state policies (FL, TX, NC, NY, NJ) carry a separate deductible — usually 1–5% of dwelling coverage — that applies only when damage is from a named hurricane. On a $400,000 home with 2% deductible, that's $8,000 out of pocket per hurricane event.

How fast can you respond after a major storm?

We pre-position crews and equipment along the projected path before each named storm. Most calls receive on-site response within 60–120 minutes once roads reopen and the storm passes. We've responded to every major US hurricane since 2017.

What is NFIP flood insurance?

The National Flood Insurance Program is a federally backed flood policy required for federally backed mortgages in high-risk zones. Standard homeowners excludes flood. Without NFIP (or a private flood policy), rising-water flood damage is uncovered.

Should I hire a public adjuster after a major storm?

Public adjusters work for you (not the carrier) and take a percentage of the settlement, usually 10–20%. For complex hurricane losses with disputed scope, they often pay for themselves. We coordinate with public adjusters when the homeowner chooses one.

How long does full storm reconstruction take?

Emergency mitigation completes in 1–3 days. Drying runs 5–10 days. Reconstruction (drywall, flooring, paint, cabinets) runs 2–8 weeks depending on scope. Major hurricane losses with whole-home reconstruction can take 3–9 months from event to keys-back.

Common Problems We Solve

Problems Often Fixed With Storm Damage Restoration

Roof Leak Water Damage

Roof leak inside? USA guide to finding the source, emergency tarp-up, costs, insurance

Ceiling Water Damage

Water stain on your ceiling? USA guide to causes, immediate steps, repair costs, and insurance

Basement Flooding

Basement flooded? Comprehensive USA guide: causes, immediate steps, insurance, costs, and prevention

Black Mold After Water Damage

Black mold from water damage? Health risks, identification, IICRC S520 removal, costs, insurance

Get Your Free Inspection

Tell Us What Happened — We'll Be There Within 60 Minutes

Free, no-obligation inspection. We document everything, bill insurance directly, and never charge for the assessment — even if you choose not to proceed.