Service Locations
IICRC-certified water damage restoration pros serving 522 cities across all 50 states and DC — Texas, Florida, California, New York, Pennsylvania, Ohio, Michigan, Georgia, North Carolina, South Carolina, West Virginia, Vermont, Alaska, Hawaii, and every other state. 24/7 emergency response.
Find Certified Pros Near You
Click any pin to see local flood risk and average restoration costs, and request an estimate — right from the map.
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Texas
Texas Department of Insurance regulates; TX prompt-pay law (Art. 542A) requires acknowledgment within 15 days and payment/denial within 15 days of proof of loss. State Farm and Allstate have reduced TX coverage — check policy carefully.
- Houston
- San Antonio
- Dallas
- Austin
- Fort Worth
- El Paso
- Arlington
- Corpus Christi
- Plano
- Lubbock
- Laredo
- Irving
- Garland
- Frisco
- Amarillo
- Grand Prairie
- McKinney
- Brownsville
- Killeen
- Pasadena
- Mesquite
- McAllen
- Denton
- Waco
- Carrollton
- Midland
- Pearland
- Abilene
- Richardson
- College Station
- Round Rock
- Beaumont
- Odessa
- Sugar Land
- Lewisville
- Tyler
- League City
- Wichita Falls
- Galveston
Florida
Florida's Citizens Insurance is insurer of last resort; Assignment of Benefits (AOB) laws changed Jan 2023 — contractors can no longer file claims on behalf of homeowners without authorization. Florida leads U.S. in insurance fraud prosecutions.
- Jacksonville
- Miami
- Tampa
- Orlando
- St. Petersburg
- Hialeah
- Port St. Lucie
- Tallahassee
- Cape Coral
- Fort Lauderdale
- Pembroke Pines
- Hollywood
- Gainesville
- Bonita Springs
- Palm Bay
- West Palm Beach
- Clearwater
- Lakeland
- Boca Raton
- Miami Beach
- Fort Myers
- Melbourne
- Kissimmee
- Daytona Beach
- Sarasota
- Pensacola
- Estero
- Key West
- Naples
- Marco Island
Arizona
Arizona Department of Insurance and Financial Institutions; AZ requires insurers to acknowledge claims within 10 days and make coverage decisions within 15 days. State Farm entered AZ market aggressively — competition keeps premiums lower than CA/FL.
California
California Department of Insurance mandates 15-day claim acknowledgment and 40-day payment. State Farm and Allstate have significantly reduced CA homeowners coverage since 2023 — homeowners in high-risk areas may need the CA FAIR Plan (fire only) plus a separate DIC policy for water damage. Shop early and document everything.
New York
New York Insurance Law (Reg 64) requires claim acknowledgment within 15 days and payment/denial within 15 days of proof of loss. NY DFS actively pursues claim delays — homeowners have strong enforcement options. After Sandy (2012), NY created the NY Rising Community Reconstruction Program for buyouts.
Illinois
Illinois Department of Insurance requires 15-day acknowledgment and 15-day payment/denial. CRITICAL: Standard IL homeowners policies exclude sewer backup — this is the most common cause of water damage in Chicago metro. A sewer backup rider ($50–$150/yr) matters for any Chicago-area homeowner.
Georgia
Georgia Insurance Commissioner requires 10-day claim acknowledgment; GA has no prompt-payment statute with specific deadlines for payment — claims can take longer than in TX/FL; after Hurricane Matthew (2016) and Michael (2018), GA insurers added wind deductibles for coastal properties; document all damage before any cleanup
North Carolina
NC Department of Insurance requires 30-day claim acknowledgment; NC law requires 60-day notice before canceling/non-renewing a homeowners policy. After Hurricane Florence (2018, $17B in NC), insurers added hurricane deductibles of 1–5% of home value for coastal properties; interior properties should understand wind vs. flood exclusions carefully.
Louisiana
Louisiana Citizens Property Insurance is insurer of last resort; NFIP participation is extremely high — but NFIP has a $250,000 building coverage cap which is insufficient for mid-market homes. Private excess flood coverage is necessary. After Ida (2021), average LA claim was $31,000. Louisiana has the nation's highest insurance fraud conviction rate — use only licensed, verified contractors.
Washington
Washington OIC requires 10-day claim acknowledgment and prompt payment after acceptance. WA has some of the nation's strongest consumer protection laws for insurance claims. IMPORTANT: Washington's hillside landslide risk means standard 'earth movement' exclusions may deny water damage claims from slide-triggered intrusion — verify policy language explicitly covers water from land movement.
Colorado
Colorado Division of Insurance requires insurers to respond within 10 days and pay within 60 days of satisfactory proof. Colorado has the highest hail damage cost in the US ($2B+ annually) — insurers have raised deductibles and are now excluding or capping cosmetic hail damage. Document every hail event with weather service records and aerial photography.
Tennessee
Tennessee Department of Commerce and Insurance requires 10 business days to accept or deny a claim. Tennessee has no prompt-payment interest penalties (unlike TX) — claims can drag without penalty; document all communications with dates and follow up in writing. TN has no sales tax on restoration services — verify contractors are not charging incorrectly.
Virginia
Virginia Bureau of Insurance requires 45-day response to claims. Virginia Beach and Norfolk are among the fastest-sinking cities on Earth (4–6mm/year subsidence) — combined with sea level rise, properties outside the 100-year flood zone are increasingly flooding. The VA Coastal Hazards Resilience Program offers assistance. Hampton Roads homeowners should consider flood insurance regardless of FEMA zone designation.
Nevada
Nevada Division of Insurance regulates; state law NRS 686A.310 requires claims acknowledgment within 10 business days and resolution within 30 days. Flood insurance is separate from homeowners — few Las Vegas homeowners carry NFIP despite flash flood risk.
Pennsylvania
Pennsylvania Insurance Department regulates. PA has a 30-day prompt-pay law. Many older Philadelphia rowhouses and Pittsburgh homes have clay sewer lines prone to backup — check your policy for sewer/backup endorsements. Tropical storm remnants (Ida 2021, Agnes 1972) have caused catastrophic inland flooding along the Susquehanna.
Ohio
Ohio Department of Insurance regulates. Ohio has a 21-day payment timeline after proof of loss. Many Ohio River communities have flood history not reflected in current FIRM maps — consider private flood insurance for river-adjacent properties. NFIP participation is high along river corridors.
Michigan
Michigan Department of Insurance and Financial Services regulates. Michigan has a 4-year statute of limitations on property damage claims. Detroit-area basement flooding is the top residential claim. Many policies exclude sewer backup — add a rider if you have a basement. Lake shoreline properties face wave action and erosion not covered by standard HO policies.
Indiana
Indiana Department of Insurance regulates. Indiana prompt-pay law requires acknowledgment within 10 days and payment within 30 days. Wabash River corridor counties have frequent flood events — check if your property is in a Special Flood Hazard Area (SFHA) before purchasing. Sewer backup endorsements are highly recommended for older Indianapolis neighborhoods.
Maryland
Maryland Insurance Administration regulates. Maryland has a 30-day prompt-pay law. Baltimore rowhouses have old clay sewer lines prone to backup — add a backup rider. Chesapeake Bay waterfront properties require separate flood insurance; standard HO policies do not cover storm surge.
Missouri
Missouri Department of Commerce and Insurance regulates. Missouri requires payment within 15 business days after proof of loss. Many Missouri River corridor properties have flooded multiple times. Check FEMA FIRM maps carefully for any property near the Missouri or Mississippi Rivers — some areas that flooded in 2019 were not in mapped flood zones.
Wisconsin
Wisconsin Office of the Commissioner of Insurance regulates. Wisconsin has a 30-day payment requirement after proof of loss. Milwaukee has a combined sewer overflow system — basement flooding during heavy rain is a recurring issue. Add a water/sewer backup endorsement if you have a basement, especially in older Milwaukee neighborhoods.
Minnesota
Minnesota Department of Commerce regulates. Minnesota requires written acknowledgment within 10 days and settlement within 60 days. Red River Valley properties have some of the highest recurring flood risk in the US. Minneapolis-St. Paul freeze/pipe claims spike dramatically during polar vortex events — make sure your policy covers burst pipe damage and subsequent mold remediation.
Oregon
Oregon Department of Financial Regulation regulates. Oregon has a 30-day prompt-pay requirement. Portland and the Willamette Valley receive 35-44" of rain annually — roof leaks and foundation water intrusion are common. Landslide damage is typically excluded from standard policies — check separately if you live on or near a hillside.
Massachusetts
Massachusetts Division of Insurance regulates. MA has a 15-day acknowledgment and 45-day settlement requirement. Boston's housing stock is among the oldest in the US — thousands of pre-1900 Victorian and rowhouse buildings have aging plumbing that freezes and bursts. Cape Cod and South Shore properties require separate flood insurance for storm surge.
New Jersey
New Jersey Department of Banking and Insurance regulates. NJ has a 30-day settlement requirement. Hurricane Sandy 2012 exposed the gap between homeowners insurance and flood insurance on coastal properties — thousands of NJ homeowners discovered their HO policy did not cover storm surge. Passaic River basin properties in Paterson, Pompton Lakes, and Lodi have flooded repeatedly in the last 30 years.
South Carolina
South Carolina Department of Insurance regulates. SC has a 15-day acknowledgment and 30-day payment requirement. Hurricane Matthew (2016) and Hurricane Florence (2018) caused catastrophic inland flooding far from the coast — standard HO policies cover wind-driven rain but NOT flood from rising rivers. NFIP coverage is necessary in Low Country and coastal counties.
Connecticut
Connecticut Insurance Department regulates. CT requires acknowledgment within 15 days and payment within 45 days. Connecticut has some of the oldest housing in the US — New Haven, Hartford, and Waterbury have extensive pre-1900 housing stock with aging plumbing. Coastal properties in Fairfield and New Haven counties require separate flood insurance for storm surge from Long Island Sound.
Alabama
Alabama Department of Insurance regulates. Alabama requires acknowledgment within 15 days and payment within 30 days. Mobile Bay and Baldwin County coastal properties require separate flood insurance — hurricane storm surge has caused catastrophic damage multiple times. Alabama's NFIP participation is high in coastal and river corridor counties.
Oklahoma
Oklahoma Insurance Department regulates. Oklahoma requires payment within 30 days of proof of loss. Oklahoma sits in Tornado Alley — homeowners insurance covers tornado wind damage and resulting rain intrusion, but separate flood coverage is needed for water rising from rivers. The Arkansas River flooded in 2019 to levels not seen in decades, inundating thousands of properties in the Tulsa metro.
Utah
Utah Insurance Department regulates. Utah requires acknowledgment within 10 days and payment within 30 days. Utah's spring snowmelt flooding is severe in many years — the Wasatch Front (Salt Lake City to Provo corridor) experiences significant Jordan River flooding in heavy snow years. Flash flooding in canyon communities (like Zion National Park area) occurs with minimal warning.
Kentucky
Kentucky Office of Insurance regulates. Kentucky requires acknowledgment within 15 days and payment within 30 days. The July 2022 Eastern Kentucky flooding was catastrophic — many properties were in areas FEMA had not mapped as flood zones. Homeowners in river valleys and mountain hollows should strongly consider private flood insurance regardless of FEMA flood zone designation.
Nebraska
Nebraska Department of Insurance regulates. Nebraska requires payment within 15 days of agreement. The 2019 bomb cyclone flooding was the most expensive natural disaster in Nebraska history — $1.4B damage. Missouri River corridor properties face high recurring flood risk. NFIP rates reflect this in eastern Nebraska counties.
New Mexico
New Mexico Office of Superintendent of Insurance regulates. NM requires acknowledgment within 10 days and payment within 30 days. New Mexico's monsoon season (July-September) brings intense afternoon thunderstorms that can dump 2-3" in 30 minutes. Post-wildfire flooding is a growing risk — 2022 Calf Canyon/Hermits Peak Fire (largest in NM history) left 341,000+ acres of denuded slopes that caused catastrophic debris flows in communities downhill.
Arkansas
Arkansas Insurance Department regulates. Arkansas requires payment within 30 days of proof of loss. The Arkansas River experienced record flooding in 2019 — Fort Smith and Little Rock saw levels not recorded in modern history. Backwater flooding from the Mississippi River affects eastern Arkansas counties that may not have obvious flood risk on FEMA maps. Ice storm pipe freeze is a recurring winter hazard.
Iowa
Iowa Insurance Division regulates. Iowa requires acknowledgment within 15 days and payment within 30 days. The 2008 Iowa floods caused $10B in damages — Cedar Rapids had 1,300 city blocks inundated (the largest disaster to strike a US city since Hurricane Katrina). Many Iowa River communities have flooded repeatedly. NFIP participation is high in river corridor counties.
New Hampshire
New Hampshire Insurance Department regulates. NH requires acknowledgment within 10 days and payment within 30 days. New Hampshire has some of the oldest housing stock in the nation — Manchester, Nashua, and Portsmouth have significant pre-1900 housing with aging plumbing. Nor'easters drive both ice storm damage and spring flooding. NFIP participation is high in Merrimack River valley communities.
Idaho
Idaho Department of Insurance regulates. Idaho requires acknowledgment within 10 days and payment within 30 days. Idaho's water damage risk is dominated by spring snowmelt from the Rocky Mountains and Sawtooth Range — the Snake River corridor floods regularly in heavy snow years. Northern Idaho (Coeur d'Alene, Sandpoint) has Lake Coeur d'Alene flooding risk in addition to river flooding.
Kansas
Kansas Insurance Department regulates. Kansas requires payment within 30 days of proof of loss. Kansas sits in the heart of both Tornado Alley and a major river flooding corridor. The Kansas River flooded in 1951 to levels still considered the benchmark for worst-case flooding in the state — Topeka and Manhattan were catastrophically affected. Combined tornado + rain intrusion events are a major underinsured risk.
Mississippi
Mississippi Insurance Department regulates. Mississippi has a 25-day acknowledgment and 35-day payment requirement. Mississippi has one of the most complex flood risk profiles in the US: the Gulf Coast faces hurricane storm surge (Katrina devastated the coast in 2005), and the Mississippi Delta region faces chronic backwater flooding when the Mississippi River rises. The Yazoo Backwater Area is one of the most flood-prone agricultural regions in the country.
Alaska
Alaska Division of Insurance regulates. Alaska requires acknowledgment within 10 days and payment within 30 days. Alaska's water damage claims have the highest average value in the nation due to extreme remoteness and construction costs — a water damage remediation that costs $10,000 in the lower 48 can cost $30,000-$50,000 in rural Alaska. Permafrost thaw is an emerging and uncovered risk that standard policies don't address.
Hawaii
Hawaii Insurance Division regulates. Hawaii requires acknowledgment within 10 days and payment within 30 days. Hawaii has the highest average water damage claim value in the nation after Alaska — a combination of construction costs, remoteness, and limited contractor availability. The windward (wet) sides of the islands receive 200-400" of rainfall annually. Hurricane coverage is often excluded from standard policies and must be purchased separately.
Montana
Montana Commissioner of Securities and Insurance regulates. Montana requires acknowledgment within 15 days and payment within 30 days. Montana has extreme cold that creates significant pipe freeze risk, particularly in rural areas and smaller communities. Spring snowmelt from the Rocky Mountains and Glacier National Park watershed creates significant flooding risk in the Clark Fork and Yellowstone corridors.
Rhode Island
Rhode Island Insurance Division regulates. RI requires acknowledgment within 10 days and payment within 30 days. Rhode Island is the second most densely populated state and has significant coastal exposure along Narragansett Bay. Providence has experienced catastrophic storm surge flooding multiple times — the 1938 and 1954 hurricanes drove 13-17 foot surges into downtown Providence. NFIP participation is high in coastal communities.
South Dakota
South Dakota Division of Insurance regulates. SD requires acknowledgment within 10 days and payment within 30 days. South Dakota's Missouri River corridor faces significant spring flooding risk — the 2011 Missouri River flooding was catastrophic for eastern South Dakota communities. Pierre, Yankton, and Chamberlain all experienced major flooding. Spring snowmelt events in the Black Hills can also cause rapid flash flooding.
West Virginia
West Virginia Insurance Commission regulates. WV requires acknowledgment within 15 days and payment within 30 days. West Virginia has one of the most severe inland flood risk profiles in the eastern US — narrow mountain valleys concentrate rainfall into flash floods with devastating speed. The June 2016 flooding killed 23 people and caused $1B+ in damage in a state with a median household income near the bottom nationally, severely straining recovery resources.
Wyoming
Wyoming Department of Insurance regulates. Wyoming requires acknowledgment within 15 days and payment within 30 days. Wyoming's vast geography and sparse population mean restoration contractors are often hours away — claim costs run 20-40% higher than national averages due to travel time and limited contractor availability. Spring snowmelt flooding in the North Platte and Green River corridors occurs almost annually in heavy snow years.
Maine
Maine Bureau of Insurance regulates. Maine requires acknowledgment within 15 days and payment within 30 days. Maine is one of the oldest states in terms of housing stock — Portland, Bangor, and Augusta have extensive pre-1900 Victorian and colonial housing with aging plumbing highly vulnerable to freeze. Nor'easters drive coastal storm surge into Portland and Kennebec River coastal communities. Ice dams are one of the most common Maine winter insurance claims.
Delaware
Delaware Department of Insurance regulates. Delaware requires acknowledgment within 10 days and payment within 30 days. Delaware has the highest percentage of land in FEMA Special Flood Hazard Areas of any state — much of Delaware's coastal plain is less than 10 feet above sea level. Wilmington has significant flood risk from the Christina River and Brandywine Creek confluence. Hurricane storm surge can reach far inland given Delaware's low elevation.
North Dakota
North Dakota Insurance Department regulates. ND requires acknowledgment within 10 days and payment within 30 days. North Dakota has the most severe spring flooding risk of any Great Plains state. The Red River flows north (unique in the US) into Canada, meaning spring melt from southern portions of the basin hits the frozen northern stretches — creating massive ice jam floods. Grand Forks flooded catastrophically in 1997, with 75% of the city inundated.
Vermont
Vermont Department of Financial Regulation regulates. Vermont requires acknowledgment within 15 days and payment within 30 days. Vermont demonstrated in 2011 that inland flooding from tropical storms can be catastrophic far from the coast — Tropical Storm Irene caused $700M+ in Vermont damage, washing out 500+ miles of roads and 34 bridges. Many Vermont communities that flooded in Irene had never flooded in recorded history and had no FEMA flood zone designation.
District of Columbia
DC Department of Insurance, Securities and Banking regulates. DC requires acknowledgment within 15 days and payment within 30 days. Washington DC has some of the most expensive water damage claims in the country due to historic property values — row houses in Capitol Hill and Georgetown can have $1M+ replacement values. DC's aging combined sewer system regularly overflows during heavy rain, causing sewage backup into basements throughout the District.
Water Damage Restoration Locations — FAQ
Which states does HearthDry serve?
HearthDry has guides for 522 cities across all 50 states and Washington D.C. The line is answered 24/7 and asks for your ZIP; companies on it take calls ZIP by ZIP, so whether one covers your address is settled on the call, and the company that does gives you an arrival window for it.
If yours is not covered, the IICRC's certified-firm locator at iicrc.org is the next place to look.
How do I find water damage restoration near me?
Click your state in the locations directory below to see all cities we serve, with local cost estimates, flood risk ratings, and IICRC-certified professionals.
You can also call our emergency line (available 24/7) to be immediately connected with the nearest available certified restoration team — even if your city isn't listed, we cover surrounding areas.
What does 'IICRC-certified' mean for water damage restoration?
IICRC (Institute of Inspection, Cleaning and Restoration Certification) certification means a restoration technician has completed formal training and passed exams in water damage science, psychrometrics (the study of air and moisture), drying principles, and mold prevention protocols.
IICRC-certified companies use calibrated equipment, maintain daily drying logs, and follow the IICRC S500 Standard for water damage restoration. Insurance companies often require IICRC-certified documentation to honor claims.
How much does water damage restoration cost near me?
Costs vary by city and damage severity. Minor Category 1 (clean water) damage in a small area averages $1,500–$4,000. Moderate damage with drywall/flooring replacement runs $4,000–$12,000.
Severe flooding, sewage backup, or structural damage can exceed $25,000. Urban markets (Houston, Miami, Los Angeles) run 15–30% above national averages. Click your city in the locations directory for local market pricing estimates.
Who do I call right now for water damage?
Call (888) 840-6512. The line is answered 24 hours a day, seven days a week, and connects you with an IICRC-certified water damage restoration company that serves your area. Describe what you can see — where the water is coming from, how long it has been there, and whether it smells — the more specific you are, the faster the right company is on the line.
If the source is a pipe or an appliance, shut the main water valve first. Have four things ready and the call goes quickly: the address, when the water started, what is wet now, and whether you have filed an insurance claim.
Still not sure which of these is your situation? (888) 840-6512 · toll-free · answered 24/7
All 50 States + DC Covered
HearthDry covers 522 cities across all 50 states and Washington D.C. If your exact city isn't listed, call our emergency line — we connect you with certified pros in surrounding areas, no matter where you are.
Cost ranges and risk ratings are estimates based on regional data. Actual costs vary by scope, materials, and contractor. Flood risk ratings are general assessments — verify FEMA flood zone designation for your specific property.