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Free Water Damage Tools

Practical tools to help you estimate costs, document damage, and plan your restoration — before you hire a contractor.

Texas Mold License Lookup

Official data

Search 9,800+ TDLR mold licenses — companies, consultants, technicians, and labs — by name, license number, city, or county. Updated weekly from official records.

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Free Property Flood Zone Lookup

Live

Enter any US address to instantly check its FEMA flood zone (AE, VE, X, etc.), whether it's in a Special Flood Hazard Area, and if flood insurance is federally required.

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Damage Severity Scanner

New

Get a 0–100 severity score and prioritized action plan — know when to evacuate, call a pro, or document for insurance.

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Water Damage Cost Calculator

ZIP-aware

ZIP-aware estimate based on IICRC category, affected area, delay time, and local market rates from 500+ cities.

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Insurance Claim Assistant

Claim ready

Photo checklist, claim readiness score, denial-risk flags, adjuster script, and exportable claim packet.

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Water Damage Coverage Checker

Insurance

Quick check: is burst pipe, flood, sewer, or gradual leak likely covered under your homeowners policy?

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Mold Growth Clock

Interactive

Interactive hour-by-hour timeline showing when mold spores germinate (24 hrs) and why immediate action matters.

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Restoration Timeline Estimator

IICRC

Estimate drying days by water category, humidity, and equipment — plan temporary housing and mold deadlines.

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Emergency Damage Documentation Checklist

Interactive

Scenario-based checklists for burst pipes, basements, sewage, storms, and renters — protect your claim.

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Moisture Calculator

Pro tip

Check pin meter readings against IICRC dry standard before closing walls or replacing flooring.

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Insurance Letter Generator

Export

Generate proof of loss, mitigation notice, and adjuster meeting letters — print or email.

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Emergency Action Generator

24/7

Step-by-step triage for active leaks — electrical safety, shutoffs, and when to call a pro.

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Equipment Selector

DIY

How many air movers and dehumidifiers for your job — with links to expert equipment reviews.

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Contractor Comparison Tool

Quotes

Compare up to 3 restoration quotes side-by-side on price, response time, and IICRC certification.

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Maintenance Planner

Prevention

ZIP-based prevention schedule — shutoff tests, sump checks, hose replacement, hurricane prep.

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Water Damage Tools — Frequently Asked Questions

How do I check if my property is in a FEMA flood zone?
Use our free Flood Zone Lookup tool to enter any U.S. address and instantly see its FEMA flood zone designation (AE, VE, X, etc.), whether it's in a Special Flood Hazard Area (SFHA), and whether flood insurance is federally required. FEMA Flood Map Service Center (msc.fema.gov) is the official source — our tool queries the same NFIP map data. Properties in Zone AE or VE with federally-backed mortgages are required to carry flood insurance.
How quickly does mold grow after water damage?
Mold begins growing within 24–48 hours under the right conditions (moisture above 60% RH, temperature 40–100°F, organic material like drywall or wood). Visible mold colonies typically appear within 72 hours. By one week, mold can spread through a room. Use our Mold Growth Clock tool to visualize how fast mold grows based on your specific conditions — temperature, humidity, and material type all affect the timeline.
How much does water damage restoration cost in my area?
Water damage restoration costs vary widely based on water category, affected square footage, structural damage, and your local market. Minor clean-water damage averages $1,500–$4,000. Moderate damage with flooring or drywall replacement runs $4,000–$12,000. Severe flooding, sewage backup, or mold can exceed $25,000. Use our Water Damage Cost Calculator for a rough estimate based on your specific situation — then compare to contractor quotes.
Are these water damage tools free to use?
Yes — all tools on HearthDry are completely free with no registration required. The Flood Zone Lookup, Mold Growth Clock, and Cost Calculator are funded by our affiliate partnerships with restoration service providers. We never charge homeowners for information or referrals. Our goal is to help you understand your situation before a contractor quote so you can make an informed decision.

Need Help Right Now?

Tools help you plan — but if water is actively damaging your home, call a certified pro immediately.