IICRC-certified water damage pros across all of Massachusetts — serving 11 cities and 0 counties. Average Massachusetts claim: $13K. 155,000+ claims filed annually statewide.
11
Cities Covered
$13K
Avg Claim Value
155K+
Annual Claims
Yes ✓
NFIP Participant
Flood Risk Profile
Massachusetts has the highest concentration of pre-1900 housing in the US, concentrated in Boston, Worcester, Lowell, and Fall River. These buildings have cast iron and galvanized steel pipes extremely vulnerable to freeze/burst. Nor'easters are the primary severe weather event — Boston's January 2018 bomb cyclone caused $1B+ in coastal damage and widespread flooding.
Notable Events
January 2018 Bomb Cyclone (record 15ft storm surge in Boston, $1B+ coastal damage)
October 2012 Hurricane Sandy (Cape Cod and South Shore flooding)
March 2010 nor'easter (Charles River flooding, $100M damage)
February 2015 historic 110" Boston snowpack — record spring melt flooding
Insurance Info — 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.
Licensing: Massachusetts State Board of Building Regulations and Standards (BBRS) — Home Improvement Contractor (HIC) registration required
Service Areas
Click any city for local flood risk data, cost estimates, and IICRC-certified pros.
Boston
Suffolk County
Worcester
Worcester County
Springfield
Hampden County
Cambridge
Middlesex County
Lowell
Middlesex County
New Bedford
Bristol County
Fall River
Bristol County
Metro Area 14
Metro Area 14 County County
Metro Area 65
Metro Area 65 County County
Metro Area 116
Metro Area 116 County County
Metro Area 167
Metro Area 167 County County
Official FEMA Records
Local Pricing
Massachusetts averages $13K per insurance claim. Final cost depends on water category, affected area, delay time, and structural damage.
Use our cost calculatorAvg insurance claim
$12,500
Massachusetts statewide avg
Annual claims filed
155K+
In Massachusetts per year
Minor damage (Cat 1)
$1,500–$4,000
Clean water, small area
Severe damage (Cat 3)
$8,000–$25,000+
Sewage, flood, structural
IICRC-certified pros dispatch to your location 24/7 — average 43 min response across Massachusetts.
Educational Resources
Most homeowners call a plumber first. That's the wrong call. The order in which you contact a restoration company, your insurer, and a plumber directly affects how much you recover from insurance -- and how fast your home is restored.
The decisions you make in the first 60 minutes after water damage determine how much you pay, how fast you recover, and whether your insurance claim succeeds. Here's the exact sequence of actions.
Most water damage insurance claim denials happen because homeowners make one of seven preventable mistakes. This guide shows you exactly what to do — and what to avoid — from the moment water appears.
The average water damage restoration costs $3,900 nationally — but ranges from $1,200 to $25,000+ depending on factors most homeowners don't know about before they call.
Reviewed by Marcus Reed, IICRC WRT · Last updated: 2026-07-10
HearthDry is an independent educational resource for Massachusetts homeowners. Cost estimates reflect statewide averages. FEMA data is approximate — verify at fema.gov. Always confirm contractor licensing with Massachusetts State Board of Building Regulations and Standards (BBRS) — Home Improvement Contractor (HIC) registration required.
