Restoration referrals across Durham County, at no chargeCall or text (984) 223-9505
Call(984) 223-9505

Durham and all of Durham County

Water and fire damage help in Durham, NC

Water where it shouldn't be, or smoke through the house? Send us your ZIP and we pass it to one restoration company that works there. You see a written price before they start.

A supply line that split in the crawl space, a hall closet water heater that gave out, Third Fork Creek in the yard, or soot on every wall after a kitchen fire. Skip the five cold calls. Send your ZIP and what happened, and one restoration company that works that part of Durham County phones you and comes out. The price is written down before anyone starts.

Calls and texts answered 7am to 9pm, 7 days. Photos by text whenever.

26.24 ftEno River at the Durham gauge, July 7, 2025. No crest on the NWS list is higher. See our charts of the local record.

  • Dry-outs after leaks and floods, soot cleanup after fires
  • A scope on paper you can hold up against a second bid
  • Meter readings with photos, first day and last
  • The company pays for the referral, you don't

Tell us what got wet or burned

Takes a minute. One Durham County company follows up.

What happened? Pick any

Costs you nothingThe company pays for the referral

Paper before workScope and price first

Meter logDay one to dry

All of Durham CountyHope Valley to Bahama

January 1, 2018: no rainJanuary 2, 2018: no rainJanuary 3, 2018: 0.06 in rainJanuary 4, 2018: no rainJanuary 5, 2018: no rainJanuary 6, 2018: no rainJanuary 7, 2018: no rainJanuary 8, 2018: no rainJanuary 9, 2018: no rainJanuary 10, 2018: no rainJanuary 11, 2018: 0.11 in rainJanuary 12, 2018: 0.50 in rainJanuary 13, 2018: no rainJanuary 14, 2018: no rainJanuary 15, 2018: no rainJanuary 16, 2018: no rainJanuary 17, 2018: 0.49 in rainJanuary 18, 2018: no rainJanuary 19, 2018: no rainJanuary 20, 2018: no rainJanuary 21, 2018: no rainJanuary 22, 2018: no rainJanuary 23, 2018: 0.83 in rainJanuary 24, 2018: no rainJanuary 25, 2018: no rainJanuary 26, 2018: no rainJanuary 27, 2018: no rainJanuary 28, 2018: 1.30 in rainJanuary 29, 2018: 0.59 in rainJanuary 30, 2018: 0.04 in rainJanuary 31, 2018: no rainFebruary 1, 2018: no rainFebruary 2, 2018: 0.16 in rainFebruary 3, 2018: no rainFebruary 4, 2018: 0.61 in rainFebruary 5, 2018: no rainFebruary 6, 2018: no rainFebruary 7, 2018: 0.21 in rainFebruary 8, 2018: no rainFebruary 9, 2018: no rainFebruary 10, 2018: 0.08 in rainFebruary 11, 2018: no rainFebruary 12, 2018: 0.08 in rainFebruary 13, 2018: no rainFebruary 14, 2018: no rainFebruary 15, 2018: no rainFebruary 16, 2018: 0.02 in rainFebruary 17, 2018: 0.06 in rainFebruary 18, 2018: 0.02 in rainFebruary 19, 2018: 0.30 in rainFebruary 20, 2018: no rainFebruary 21, 2018: no rainFebruary 22, 2018: no rainFebruary 23, 2018: no rainFebruary 24, 2018: no rainFebruary 25, 2018: no rainFebruary 26, 2018: 0.09 in rainFebruary 27, 2018: no rainFebruary 28, 2018: 0.07 in rainMarch 1, 2018: 0.59 in rainMarch 2, 2018: no rainMarch 3, 2018: no rainMarch 4, 2018: no rainMarch 5, 2018: no rainMarch 6, 2018: 0.45 in rainMarch 7, 2018: no rainMarch 8, 2018: no rainMarch 9, 2018: no rainMarch 10, 2018: no rainMarch 11, 2018: 0.21 in rainMarch 12, 2018: 0.92 in rainMarch 13, 2018: no rainMarch 14, 2018: no rainMarch 15, 2018: no rainMarch 16, 2018: no rainMarch 17, 2018: 0.27 in rainMarch 18, 2018: 0.01 in rainMarch 19, 2018: no rainMarch 20, 2018: 1.05 in rainMarch 21, 2018: 0.05 in rainMarch 22, 2018: no rainMarch 23, 2018: no rainMarch 24, 2018: 0.91 in rainMarch 25, 2018: 0.30 in rainMarch 26, 2018: no rainMarch 27, 2018: 0.01 in rainMarch 28, 2018: no rainMarch 29, 2018: no rainMarch 30, 2018: 0.03 in rainMarch 31, 2018: no rainApril 1, 2018: no rainApril 2, 2018: no rainApril 3, 2018: no rainApril 4, 2018: no rainApril 5, 2018: no rainApril 6, 2018: no rainApril 7, 2018: 0.99 in rainApril 8, 2018: no rainApril 9, 2018: no rainApril 10, 2018: no rainApril 11, 2018: no rainApril 12, 2018: no rainApril 13, 2018: no rainApril 14, 2018: no rainApril 15, 2018: 3.31 in rainApril 16, 2018: no rainApril 17, 2018: no rainApril 18, 2018: no rainApril 19, 2018: no rainApril 20, 2018: no rainApril 21, 2018: no rainApril 22, 2018: no rainApril 23, 2018: 0.01 in rainApril 24, 2018: 0.85 in rainApril 25, 2018: no rainApril 26, 2018: 0.18 in rainApril 27, 2018: 0.01 in rainApril 28, 2018: no rainApril 29, 2018: no rainApril 30, 2018: no rainMay 1, 2018: no rainMay 2, 2018: no rainMay 3, 2018: no rainMay 4, 2018: no rainMay 5, 2018: no rainMay 6, 2018: 0.16 in rainMay 7, 2018: no rainMay 8, 2018: no rainMay 9, 2018: no rainMay 10, 2018: 0.18 in rainMay 11, 2018: no rainMay 12, 2018: no rainMay 13, 2018: no rainMay 14, 2018: no rainMay 15, 2018: 0.02 in rainMay 16, 2018: 0.76 in rainMay 17, 2018: 0.69 in rainMay 18, 2018: 0.23 in rainMay 19, 2018: 0.59 in rainMay 20, 2018: no rainMay 21, 2018: 0.72 in rainMay 22, 2018: 0.05 in rainMay 23, 2018: no rainMay 24, 2018: no rainMay 25, 2018: no rainMay 26, 2018: 0.33 in rainMay 27, 2018: no rainMay 28, 2018: 0.28 in rainMay 29, 2018: 0.62 in rainMay 30, 2018: 0.49 in rainMay 31, 2018: no rainJune 1, 2018: no rainJune 2, 2018: 0.08 in rainJune 3, 2018: no rainJune 4, 2018: no rainJune 5, 2018: no rainJune 6, 2018: 0.23 in rainJune 7, 2018: no rainJune 8, 2018: no rainJune 9, 2018: no rainJune 10, 2018: 0.20 in rainJune 11, 2018: 0.31 in rainJune 12, 2018: 0.01 in rainJune 13, 2018: no rainJune 14, 2018: no rainJune 15, 2018: no rainJune 16, 2018: no rainJune 17, 2018: no rainJune 18, 2018: no rainJune 19, 2018: no rainJune 20, 2018: no rainJune 21, 2018: 0.12 in rainJune 22, 2018: no rainJune 23, 2018: 0.18 in rainJune 24, 2018: 0.07 in rainJune 25, 2018: 0.02 in rainJune 26, 2018: 0.74 in rainJune 27, 2018: no rainJune 28, 2018: no rainJune 29, 2018: no rainJune 30, 2018: 0.02 in rainJuly 1, 2018: 0.48 in rainJuly 2, 2018: no rainJuly 3, 2018: no rainJuly 4, 2018: no rainJuly 5, 2018: 0.03 in rainJuly 6, 2018: 0.34 in rainJuly 7, 2018: 0.65 in rainJuly 8, 2018: no rainJuly 9, 2018: no rainJuly 10, 2018: no rainJuly 11, 2018: 0.05 in rainJuly 12, 2018: 0.01 in rainJuly 13, 2018: no rainJuly 14, 2018: no rainJuly 15, 2018: no rainJuly 16, 2018: no rainJuly 17, 2018: 0.10 in rainJuly 18, 2018: no rainJuly 19, 2018: no rainJuly 20, 2018: no rainJuly 21, 2018: 0.01 in rainJuly 22, 2018: 1.11 in rainJuly 23, 2018: 0.02 in rainJuly 24, 2018: no rainJuly 25, 2018: 0.27 in rainJuly 26, 2018: no rainJuly 27, 2018: no rainJuly 28, 2018: 0.84 in rainJuly 29, 2018: 0.07 in rainJuly 30, 2018: 0.72 in rainJuly 31, 2018: 0.22 in rainAugust 1, 2018: 0.02 in rainAugust 2, 2018: 0.26 in rainAugust 3, 2018: 1.12 in rainAugust 4, 2018: no rainAugust 5, 2018: no rainAugust 6, 2018: 0.05 in rainAugust 7, 2018: 0.20 in rainAugust 8, 2018: 0.46 in rainAugust 9, 2018: no rainAugust 10, 2018: no rainAugust 11, 2018: 0.04 in rainAugust 12, 2018: 0.80 in rainAugust 13, 2018: 0.08 in rainAugust 14, 2018: 0.12 in rainAugust 15, 2018: no rainAugust 16, 2018: no rainAugust 17, 2018: no rainAugust 18, 2018: 0.49 in rainAugust 19, 2018: 1.83 in rainAugust 20, 2018: 0.86 in rainAugust 21, 2018: 0.01 in rainAugust 22, 2018: 0.01 in rainAugust 23, 2018: no rainAugust 24, 2018: no rainAugust 25, 2018: no rainAugust 26, 2018: no rainAugust 27, 2018: no rainAugust 28, 2018: no rainAugust 29, 2018: no rainAugust 30, 2018: no rainAugust 31, 2018: 0.27 in rainSeptember 1, 2018: 0.19 in rainSeptember 2, 2018: no rainSeptember 3, 2018: no rainSeptember 4, 2018: 0.01 in rainSeptember 5, 2018: no rainSeptember 6, 2018: no rainSeptember 7, 2018: 0.03 in rainSeptember 8, 2018: no rainSeptember 9, 2018: 0.15 in rainSeptember 10, 2018: 0.26 in rainSeptember 11, 2018: no rainSeptember 12, 2018: 0.13 in rainSeptember 13, 2018: 0.28 in rainSeptember 14, 2018: 2.50 in rainSeptember 15, 2018: 1.85 in rainSeptember 16, 2018: 0.90 in rainSeptember 17, 2018: 1.32 in rainSeptember 18, 2018: no rainSeptember 19, 2018: no rainSeptember 20, 2018: no rainSeptember 21, 2018: no rainSeptember 22, 2018: no rainSeptember 23, 2018: no rainSeptember 24, 2018: no rainSeptember 25, 2018: no rainSeptember 26, 2018: 0.12 in rainSeptember 27, 2018: 0.21 in rainSeptember 28, 2018: 0.02 in rainSeptember 29, 2018: no rainSeptember 30, 2018: no rainOctober 1, 2018: no rainOctober 2, 2018: no rainOctober 3, 2018: no rainOctober 4, 2018: no rainOctober 5, 2018: no rainOctober 6, 2018: no rainOctober 7, 2018: no rainOctober 8, 2018: no rainOctober 9, 2018: 0.07 in rainOctober 10, 2018: 0.10 in rainOctober 11, 2018: 2.60 in rainOctober 12, 2018: no rainOctober 13, 2018: no rainOctober 14, 2018: no rainOctober 15, 2018: no rainOctober 16, 2018: 0.01 in rainOctober 17, 2018: no rainOctober 18, 2018: no rainOctober 19, 2018: no rainOctober 20, 2018: 0.21 in rainOctober 21, 2018: no rainOctober 22, 2018: no rainOctober 23, 2018: no rainOctober 24, 2018: no rainOctober 25, 2018: no rainOctober 26, 2018: 1.58 in rainOctober 27, 2018: 0.01 in rainOctober 28, 2018: no rainOctober 29, 2018: no rainOctober 30, 2018: no rainOctober 31, 2018: no rainNovember 1, 2018: 0.11 in rainNovember 2, 2018: no rainNovember 3, 2018: no rainNovember 4, 2018: 0.04 in rainNovember 5, 2018: 0.82 in rainNovember 6, 2018: 0.03 in rainNovember 7, 2018: no rainNovember 8, 2018: no rainNovember 9, 2018: 0.07 in rainNovember 10, 2018: no rainNovember 11, 2018: no rainNovember 12, 2018: 3.17 in rainNovember 13, 2018: 1.19 in rainNovember 14, 2018: 0.04 in rainNovember 15, 2018: 0.88 in rainNovember 16, 2018: no rainNovember 17, 2018: no rainNovember 18, 2018: no rainNovember 19, 2018: no rainNovember 20, 2018: no rainNovember 21, 2018: no rainNovember 22, 2018: no rainNovember 23, 2018: no rainNovember 24, 2018: 0.72 in rainNovember 25, 2018: no rainNovember 26, 2018: 0.01 in rainNovember 27, 2018: no rainNovember 28, 2018: no rainNovember 29, 2018: no rainNovember 30, 2018: 0.02 in rainDecember 1, 2018: 0.32 in rainDecember 2, 2018: no rainDecember 3, 2018: no rainDecember 4, 2018: no rainDecember 5, 2018: no rainDecember 6, 2018: no rainDecember 7, 2018: no rainDecember 8, 2018: no rainDecember 9, 2018: 1.75 in rainDecember 10, 2018: 0.73 in rainDecember 11, 2018: no rainDecember 12, 2018: no rainDecember 13, 2018: no rainDecember 14, 2018: 0.70 in rainDecember 15, 2018: 0.23 in rainDecember 16, 2018: no rainDecember 17, 2018: no rainDecember 18, 2018: no rainDecember 19, 2018: no rainDecember 20, 2018: 0.68 in rainDecember 21, 2018: 0.04 in rainDecember 22, 2018: no rainDecember 23, 2018: 0.01 in rainDecember 24, 2018: no rainDecember 25, 2018: no rainDecember 26, 2018: no rainDecember 27, 2018: 0.02 in rainDecember 28, 2018: 1.61 in rainDecember 29, 2018: no rainDecember 30, 2018: 0.01 in rainDecember 31, 2018: 0.13 in rain
Every day of 2018 at Raleigh-Durham International Airport, colored by rainfall. 60.33 inches fell that year, the most since 1945, with 15 days of an inch or more. The mid-September cluster is Hurricane Florence.dryunder 0.25 in0.25 to 0.50.5 to 11 to 22 inches or moreNOAA ACIS, GHCN station USW00013722.

Is it still running?

Phone or text us, and handle these while the company is on its way.

  1. Shut it off. The valve behind the toilet or under the sink, or the main where the line comes into the house (often in the crawl space). On a water heater, the cold line on top.
  2. Mind the electricity. Stay out of standing water with cords or outlets in it. Only touch the breaker panel from a dry floor.
  3. Pictures, then furniture. Photograph the rooms and whatever failed. After that, get rugs and chairs off the wet floor.

After a fire, the fire department says when you can go back in. With the Eno or a creek coming up, leave, and don't wade or drive through moving water. Hour by hour for the first two days.

The local numbers

26.24 ft

the Eno River at Durham on July 7, 2025, after Tropical Depression Chantal. Major flood stage is 24 feet; the old record was Fran in 1996.

13.4

days a year with an inch of rain or more at the airport over 2016-2025, up from 11.7 over 1991-2020. 56% of the rain falls April through September.

4°F

the low in the January 2018 cold snap, 8 straight nights at 20°F or below. Durham pipes are often in crawl spaces and outside walls.

443

federal flood insurance claims in Durham County, $11.0 million paid. Chantal alone accounts for 45% of the money.

NOAA ACIS station USW00013722 through October 28, 2026; USGS station 02085070 and the NWS crest list for gauge ENON7; OpenFEMA NFIP claims. Method and full data.

The process

Three steps, one company

  1. Describe the damage. The form takes about a minute, or text us pictures. A rough guess at when the water started helps.
  2. One Durham County company phones you. A couple of questions, then a time to come see it.
  3. The scope and price arrive on paper first. Nothing starts until you say yes. On an insurance job, ask what records they keep for the adjuster.

Send a request

Brick tobacco warehouses, a covered walkway and a water tower in Durham
Tobacco warehouses turned offices and apartments. A century-old shell can hide a mix of new and original pipe. Photo: Colin Rowley / Unsplash

Our standard for referred companies

What you should get

Most bad restoration jobs fail at a handful of predictable points: a one-line estimate, nobody proving the walls are dry, a hurried signature, a leak that comes back in spring. These four are what we ask for. Call (984) 223-9505 if a visit didn't meet them.

  • Scope and price on paper, up front. What comes out, what stays to be dried, plus how many days it should take.
  • A meter log with photos. First day and last day at minimum, so an adjuster can see the house really reached dry.
  • Time to read. Nobody should rush you past a signature line, least of all on a page about your insurance.
  • The source, named. Say what let the water in and who is fixing it, so you aren't paying for the same room again next spring.

Ballpark numbers

Published restoration prices

National ranges from the sources in the table. Your Durham job gets its own written price from the company before anything starts.

Have an estimate already? Go through it line by line.

Full cost guide

JobPublished rangeSource
Water damage restoration$1,200 to $5,000, $3,000 averageFixr, Jan 2025
Water extraction$3.75 to $7.50 per square footFixr, Jan 2025
Flood or sewage water, per sq ft$7 to $7.50Fixr, Jan 2025
Fire and smoke restoration$2,900 to $38,325, $20,470 averageLawnStarter, Jul 2026
Fire and smoke, per sq ft$4.25 to $6.50 per square footLawnStarter, Jul 2026
Mold remediation$1,500 to $9,000, $3,500 averageFixr, Aug 2025
Roof leak repair$350 to $1,500, $800 averageFixr, Jan 2026

Figures are national, published by Fixr and LawnStarter. They are neither Durham averages nor a price from us; the cost guide lists each source with its date.

Our read of the NOAA and USGS records

Where Durham's water damage comes from

Start with summer rain. The airport's long-run average is 46.1 inches a year, and the wet season here is late summer, which is backwards from much of the country: 5.15 inches in an average September, 5.02 in July. It arrives in thunderstorms and the tails of hurricanes, in amounts gutters can't carry, and red clay sheds it toward the foundation vents. The airport's wettest year on record is 2018, at 60.33 inches.

Then the moving water. Ellerbe Creek and Third Fork Creek carry much of the city's runoff. New Hope Creek drains the southwest, and the Eno marks the northern edge. Chantal parked over the Piedmont in July 2025 and the Eno at Durham went to 26.24 feet, past Fran's 23.58 from 1996; firefighters brought more than 80 people out of flooded homes. Durham's flood map, in numbers.

Last, the occasional deep freeze. Winter here is usually gentle, yet the airport has averaged 4.8 nights a year at or under 20°F over 2016-2025, and they arrive together: 8 in a row in January 2018 with a low of 4°F, then 4 around Christmas 2022. Plumbing in a vented crawl space or an exterior wall was never meant for that, and it gives way when the ice melts. Frozen pipe cleanup.

Highest flow each water year, Eno River at Durham (cubic feet per second)

1964: 5,800 cfs19641965: 9,080 cfs1966: 7,470 cfs1967: 2,000 cfs1968: 2,620 cfs1969: 1,910 cfs1970: 2,590 cfs1971: 2,390 cfs1971: 8,760 cfs1973: 8,290 cfs1974: 4,560 cfs19741975: 8,570 cfs1976: 1,240 cfs1977: 1,340 cfs1978: 9,620 cfs1979: 8,030 cfs1979: 3,550 cfs1981: 7,290 cfs1982: 7,290 cfs1983: 5,560 cfs1984: 6,500 cfs19841985: 7,150 cfs1985: 6,680 cfs1987: 7,250 cfs1988: 1,140 cfs1989: 6,090 cfs1990: 2,920 cfs1991: 4,310 cfs1992: 5,490 cfs1993: 8,810 cfs1994: 4,900 cfs19941995: 8,150 cfs1996: 14,700 cfs14,7001997: 3,630 cfs1998: 10,800 cfs1999: 7,620 cfs2000: 9,010 cfs2001: 5,010 cfs2002: 894 cfs2002: 7,850 cfs2004: 2,280 cfs20042005: 2,830 cfs2006: 2,580 cfs2006: 4,140 cfs2008: 8,850 cfs2009: 2,570 cfs2010: 5,750 cfs2011: 1,570 cfs2012: 2,530 cfs2013: 5,940 cfs2014: 7,470 cfs20142014: 2,670 cfs2015: 6,960 cfs2017: 10,300 cfs2018: 13,700 cfs13,7002018: 9,000 cfs9,0002020: 8,520 cfs2020: 5,290 cfs2022: 4,020 cfs2023: 4,100 cfs2024: 8,870 cfs20241991-2020 typical peak: 5,750
Source: USGS peak streamflow, station 02085070, 1964 to 2024. Water year 2025 (Chantal, July 2025) is not in the published peak file yet; the NWS crest list shows 26.24 feet and 14,500 cfs on July 7, 2025 (preliminary).

Nights per year at 20°F or colder, Raleigh-Durham International Airport

1980: 22 nights19801981: 22 nights1982: 9 nights1983: 11 nights1984: 13 nights1985: 18 nights181986: 9 nights1987: 5 nights1988: 20 nights1989: 15 nights1990: 1 nights19901991: 7 nights1992: 3 nights1993: 5 nights1994: 12 nights1995: 9 nights1996: 15 nights151997: 7 nights1998: 2 nights1999: 7 nights2000: 18 nights20002001: 4 nights2002: 7 nights2003: 9 nights2004: 9 nights2005: 7 nights2006: 4 nights2007: 6 nights2008: 4 nights2009: 7 nights2010: 18 nights20102011: 5 nights2012: 1 nights2013: 5 nights2014: 15 nights2015: 14 nights2016: 6 nights2017: 5 nights2018: 14 nights142019: 3 nights2020: 1 nights20202021: 1 nights2022: 8 nights82023: 0 nights2024: 3 nights2025: 7 nights20251991-2020 average: 7.6
Source: NOAA ACIS daily minimum temperature, GHCN USW00013722, 1980 to 2025. Calendar years, so a snap that spans New Year's Day is split.

Old houses over open crawl spaces

Across our 9 ZIP codes there are 148,758 homes, and 21% of them went up before 1980 (Census ACS 2020-2024). The share is higher in 27701, central Durham, where the median house dates from 1975 and 45% are pre-1980; expect galvanized supply pipe, cast iron drains and piers with open vents. ZIP 27703 out east has a median year built of 2005, and the failures there are the modern kind, a burst washer hose or a tank that gave out.

Flood claims don't stick to the river. The county has 443 federal flood insurance claims on record, and the top three ZIPs are 27707 (South central Durham and Hope Valley, 97), 27704 (Northeast Durham, 85), 27712 (North Durham, 64). The Hope Valley claims trace its creeks, and the ones up north trace the Eno.

Roughly 43% of the paid claims went to properties the flood maps rated outside the A and V high-risk zones. Insurance claims in North Carolina.

A shallow, rocky river running through green woods
A quiet day on a Durham area river. The Eno at Durham is normally a few feet deep; in July 2025 it crested above 26 feet (NWS). Photo: Brandon Griggs / Unsplash

Coverage

The city and the whole county

Research Triangle Park and the Durham County side of Chapel Hill too. Whoever phones you checks that your street is on their route.

Questions Durham homeowners ask

How much does water damage restoration cost in Durham?

Fixr's typical range is $1,200 to $5,000, averaging $3,000 nationally; Bob Vila's is $1,305 to $5,707. The kind of water matters most. A clean supply line runs $3.75 to $4.25 a square foot; sewage and flood water run $7 to $7.50. Rebuilding is billed on top.

How much does fire damage restoration cost?

LawnStarter's national average is $20,470. Its range runs $2,900 to $38,325 depending on the size of the fire, or $4.25 to $6.50 per square foot. Because smoke moves through the ductwork, one burned kitchen can put every room on the cleaning list. Replacing burned framing costs extra.

How long does water damage restoration take?

Fixr says drying takes three days at minimum, and Bob Vila says about 72 hours for most rooms. Putting the house back can add weeks or months, depending on how much came out. Adjuster visits and back-ordered materials stretch it further.

Does homeowners insurance cover flood water from a storm?

No. According to the North Carolina Department of Insurance, homeowners policies do not cover flood damage, and storm water rising into the house from outside counts as flood. You need a separate flood policy, usually from the National Flood Insurance Program, which pays up to $250,000 on the building and $100,000 on contents and generally takes effect 30 days after purchase. Rain coming in through a storm-damaged roof is different and usually goes on the homeowners claim.

Will my homeowners insurance pay for a burst pipe?

If the water was sudden and accidental, such as a pipe that burst or a water heater that split, a homeowners policy usually pays. Flooding usually isn't covered; that takes its own flood policy, and the North Carolina Department of Insurance says homeowners policies do not cover flood damage. Seepage, and leaks that ran for months, are frequently excluded. Check your policy and talk to your agent.

Who will come to my house?

One independent restoration company that works your ZIP code. Durham Restoration Desk only makes the introduction, which saves you a round of cold calls. Ask that company how it records moisture before you sign, and if a rebuild could reach $40,000, ask for its North Carolina general contractor license number.

The full question list

Back to dry walls and a closed roof

Tell us once. One Durham County company calls, with the price on paper before they begin.