faq
Water damage questions, answered
Brooklyn, Kings County. Assessment and written scope before any work begins.
Who regulates water damage restoration in New York?
New York does not issue a single license for water damage restoration. What applies is the NYC home improvement contractor license for residential repair work over $200, Article 32 of the New York State Labor Law for mold assessment and remediation, and the building code for reconstruction permits.
Is mold covered by insurance?
Sometimes. A mold loss that results from a covered water event is often covered to a sublimit. Long-term seepage and maintenance are commonly excluded. The policy language controls.
How do I know if my contractor is licensed?
The DCWP license number can be checked at nyc.gov/dcwp or by calling 311. Mold licenses can be checked through the New York State Department of Labor mold licensing lookup.
Do I have to move out during drying?
For a contained loss in one room, usually not. For a Category 3 loss, a loss affecting the only bathroom or kitchen, or a job where the HVAC distributes air through the work zone, plan to be out.
What does a dry standard mean?
It is the target moisture reading for a specific material assembly, established from an unaffected reference area of the same material in the same building. Drying closes when affected readings match the reference on consecutive days.
Should I file a claim for a small loss?
Compare the deductible and the likely premium effect against the documented cost. For a small clean-water loss that dries in three days, paying directly is often the better financial choice. That is your decision and your agent's, not ours.
Four questions answered before you authorize anything.
Assessment and a written scope before any work begins.