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 dataSearch 9,800+ TDLR mold licenses — companies, consultants, technicians, and labs — by name, license number, city, or county. Updated weekly from official records.
Launch toolFree Property Flood Zone Lookup
LiveEnter 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.
Launch toolDamage Severity Scanner
NewGet a 0–100 severity score and prioritized action plan — know when to evacuate, call a pro, or document for insurance.
Launch toolWater Damage Cost Calculator
ZIP-awareZIP-aware estimate based on IICRC category, affected area, delay time, and local market rates from 500+ cities.
Launch toolInsurance Claim Assistant
Claim readyPhoto checklist, claim readiness score, denial-risk flags, adjuster script, and exportable claim packet.
Launch toolWater Damage Coverage Checker
InsuranceQuick check: is burst pipe, flood, sewer, or gradual leak likely covered under your homeowners policy?
Launch toolMold Growth Clock
InteractiveInteractive hour-by-hour timeline showing when mold spores germinate (24 hrs) and why immediate action matters.
Launch toolRestoration Timeline Estimator
IICRCEstimate drying days by water category, humidity, and equipment — plan temporary housing and mold deadlines.
Launch toolEmergency Damage Documentation Checklist
InteractiveScenario-based checklists for burst pipes, basements, sewage, storms, and renters — protect your claim.
Launch toolMoisture Calculator
Pro tipCheck pin meter readings against IICRC dry standard before closing walls or replacing flooring.
Launch toolInsurance Letter Generator
ExportGenerate proof of loss, mitigation notice, and adjuster meeting letters — print or email.
Launch toolEmergency Action Generator
24/7Step-by-step triage for active leaks — electrical safety, shutoffs, and when to call a pro.
Launch toolEquipment Selector
DIYHow many air movers and dehumidifiers for your job — with links to expert equipment reviews.
Launch toolContractor Comparison Tool
QuotesCompare up to 3 restoration quotes side-by-side on price, response time, and IICRC certification.
Launch toolMaintenance Planner
PreventionZIP-based prevention schedule — shutoff tests, sump checks, hose replacement, hurricane prep.
Launch toolWater 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?
YesAll 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.
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
Need Help Right Now?
Tools help you plan — but if water is actively damaging your home, call a certified pro immediately.