Signs you need a crew now
- Missing shingles, or daylight visible in the attic
- A broken window, door, or hole the rain can reach
- Water running down interior walls or pooling in the attic
- A tree or limb on the roof - stay out of that room
What happens when you call
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Tell us what happened. 30 seconds - what's open to the sky and what's wet.
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You're connected with a local restoration crew while you're on the line.
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The crew confirms timing and your arrival time - tarping and board-up come first.
Why this one can't wait
An opening in the roof turns every following shower into a new loss - and your policy expects "reasonable mitigation," which means tarping and boarding fast, not waiting for the adjuster.
The crew secures the openings, photographs everything for the claim, extracts what already got in, and dries the structure before mold takes the storm's side.
Local to Philadelphia County
Philadelphia's rowhomes share party walls, so one burst pipe routinely becomes two houses' problem - water travels along joists straight into the neighbor's ceiling. Original cast-iron stacks and galvanized supply lines are at end of life across whole blocks, basements sit below grade, and hard freezes find the pipes in unheated cellars first.
Pennsylvania policies cover sudden failures including freeze-bursts when the home was reasonably heated. Sewer and drain backup - a common Philadelphia basement claim - needs its own endorsement, and party-wall losses get sorted between insurers after each home documents its own damage.
Serving Philadelphia, Camden, Cherry Hill, Upper Darby, Norristown, Bensalem, and all of Philadelphia County.
Storm damage questions
Is storm damage covered by insurance?
Wind and hail damage - including the rain that enters through it - is standard homeowner's coverage. Rising water from outside is flood insurance, a separate policy. See the coverage guide.
Should I wait for the adjuster before touching anything?
Generally, no. Most policies require reasonable steps to prevent further damage. Photograph everything first, then, once it's safe, tarp and start drying. Keep receipts and records of what was done before the adjuster's visit.
Can I tarp the roof myself?
Not in the wet or the dark, and not after a storm has loosened things underfoot. Crews carry the gear and the fall protection - it's included in the mitigation the policy pays for.
Water came through the party wall from next door - who pays?
Your own policy typically covers your side first; check your policy for how a neighbor's leak is handled. What matters is documenting that the source was next door before it's repaired.