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FAQs

FAQs

Yes. If water enters your home due to storm-related roof damage, such as wind-driven rain or leaks, your homeowner’s insurance policy (HO-3) generally covers “sudden and accidental” water intrusion. This includes all reasonable and necessary water mitigation services required to prevent further damage and to stabilize the property.

According to the IICRC S500 Standard and Reference Guide for Professional Water Damage Restoration, immediate mitigation is required to reduce secondary damage and microbial growth. Delaying these services can lead to escalated structural damage and higher claim costs.

Covered mitigation services typically include:

  • Water extraction
  • Removal of damaged drywall, flooring, and insulation
  • Application of antimicrobial treatments
  • Use of air movers, dehumidifiers, and air scrubbers
  • Structural drying
  • Containment setup to prevent cross-contamination
  • Negative air pressure systems (as needed)

These services are essential to stabilize the property and reduce long-term damage.

According to the IICRC S500 Standard Guide for Professional Water Damage Restoration, immediate mitigation is required to reduce secondary damage and microbial growth.

If mitigation is not promptly performed, both structural damage and microbial amplification may escalate, which could increase the overall claim cost. Therefore, IICRC-compliant water mitigation is not only covered—it is expected as part of the restoration process in any covered storm-related loss.

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