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 the District
DC rowhouses put finished living space below grade, and the city's older combined sewers back up into those basements when summer downpours hit. English basements flood street-first, flat roofs pond, and the region's swampy humidity means anything left damp grows mold quickly - especially behind plaster walls that dry slowly.
District policies cover sudden pipe and appliance failures; water backing up from sewers or drains - the classic DC basement loss - needs its own endorsement. Rising street water is flood insurance, a separate policy, even when it only reaches the areaway door.
Serving Washington, Arlington, Alexandria, Bethesda, Silver Spring, Hyattsville, and all of the District.
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.
My English basement flooded in a storm - is that covered?
It depends on the path: sewer backup needs a backup endorsement, street water needs flood insurance, and a burst pipe is standard coverage. Photos of where the water came in help show which one happened.