How long does storm water damage drying take?
If the damage is limited to one room or attic area, drying typically takes 5 to 10 days with air movers and dehumidifiers running continuously. If water has penetrated walls or extended damage across multiple rooms, drying can take 2 to 4 weeks.
Drying is tracked by moisture readings in insulation, framing and drywall. The goal is to reach normal moisture levels (below 16% in wood, below 3% in concrete) and maintain those levels for one week to ensure stability.
Faster drying is achieved by opening windows (if weather permits), running fans, and maximizing dehumidifier capacity. Outdoor humidity affects drying speed—summer humidity slows the process compared to drier spring weather.
Will my insurance cover storm water damage?
Yes, most homeowners policies cover sudden water damage from storms (roof leaks, window leaks) under the dwelling coverage. Some policies exclude coverage if the damage results from poor maintenance (clogged gutters, aged roofing), so check your policy language.
Coverage limits may apply—check whether your policy covers the full cost of restoration or whether there is a deductible (typically $500 to $1,000). Flood damage (water entering from outside ground level, not from the sky) is not covered under standard policies and requires separate flood insurance.
Filing the claim promptly (within 30 days) is important for timely processing.
What is the difference between storm damage and flood damage?
Storm damage is water entering from above (through the roof or windows) during a thunderstorm. Flood damage is water entering from ground level or rising from groundwater (heavy rain saturating the ground, river overflow). Insurance coverage is different for each.
Storm damage to roofs and windows is covered under standard homeowners insurance. Flood damage requires separate flood insurance through the National Flood Insurance Program (NFIP).
Call (833) 490-5225 to discuss your situation and file a restoration claim. We handle both storm and flood damage and can guide you through the insurance process.