What To Do If Your Water Damage Claim is Denied

Apr 17, 2025 | Water Damage Restoration

Major Topics of this Article Include

What to do if you water damage mitigation claim is denied.
What homeowners should know about their water damage claim adjuster.

What to Do if Your Insurance Company Denies Your Water Damage Restoration Claim

Dealing with water damage in your home or business is stressful enough—finding out that your insurance company has denied your claim can make things feel even more overwhelming. At Metrix Restoration, we understand the frustration and confusion that can come with a denied water damage claim. That’s why we take a proactive approach to documentation, communication, and restoration. This blog will guide you through what to do if your flood or water damage claim is denied and how Metrix Restoration can help you navigate this challenging situation.

Why Was Your Water Damage Claim Denied?

Many homeowners are shocked when their water damage claim is denied. However, denial often stems from the basic principles of insurance coverage. Most standard homeowners’ policies cover water damage that is sudden or accidental, such as a burst pipe or appliance overflow. They generally do not cover long-term or maintenance-related issues, such as slow leaks, groundwater intrusion, or pre-existing damage.

Common Reasons for Claim Denial:

The damage was due to lack of maintenance or neglect.
The source of water was excluded under your policy (e.g., floodwater, sewer backup).
Delayed reporting of the incident.
Insufficient documentation or evidence.
Misinterpretation by an inexperienced adjuster.

Our Policy: No Surprises, No False Promises

At Metrix Restoration, we do not complete a water damage restoration project with the intention of billing your insurance company unless we believe the source of water damage is likely to be covered. While we can’t guarantee coverage, our experienced professionals provide thorough initial assessments and documentation to support your claim.

Best Water Damage company

Documentation Is Everything

Over 85% of the water damage claims we handle in 2025 are already in the drying phase before an adjuster even arrived on site. That’s because insurance companies depend on detailed, timely documentation from your water damage mitigation provider. Metrix Restoration prepares a comprehensive initial report within 24–36 hours of project launch, complete with:

Moisture readings
Photos and videos
Equipment logs
Project notes

This data supports your insurance company in making an informed decision about your claim.

What to Do After a Denial

If your insurance company denies your water damage claim, don’t panic. There are several steps you can take to appeal the decision and potentially get coverage.

1. Review Your Policy

Carefully read your homeowner’s insurance policy, focusing on the appeals process and coverage exclusions. Often, a claim denial can be overturned during the appeals process.

2. Act Quickly

Appeals are time-sensitive. Send a formal email to your insurance company notifying them of your intent to appeal. Be diligent and organized with your communication.

3. Contact Your Insurance Agent

Your insurance agent has a vested interest in keeping your policy active. They can often provide clarity and assist with the appeals process.

4. Hire a Certified Water Damage Company

Always work with an IICRC Certified water damage professional. The more credentials your contractor has, the more authoritative their opinion is considered. Metrix Restoration is staffed with IICRC Certified Master Water Damage professionals who can provide supporting citations from IICRC S500 & S520 standards.

The Power of Evidence

Insurance adjusters often rely on restoration experts to validate or dispute claims. Make sure your water damage contractor provides:

Detailed photo/video evidence
Precise moisture readings
Accurate invoices and line items
A plumber’s report (if applicable)
Water bills that show a sudden spike (to support the event as “sudden and accidental”)

When to Get Additional Help

Public Adjusters

These professionals work for you, not the insurance company. They don’t get paid unless you do, making them highly motivated to win your appeal.

Insurance Ombudsman

Most insurance companies have an ombudsman—someone who handles escalated appeals. If you’re dissatisfied with how your claim was handled, contact your insurer’s ombudsman.

Virginia State Support

If you’re located in Virginia, you can escalate your issue by contacting the Virginia Bureau of Insurance. Commissioner Scott A. White and his team assist policyholders with unresolved claim disputes. Visit scc.virginia.gov for more information.

Why Choose Metrix Restoration?

We are proud to be ranked in the top 25% of water damage mitigation companies in the nation. This distinction means we offer a range of in-house services that 75% of restoration companies cannot match, including:

Water damage mitigation & repair
Emergency plumbing
Pack out & storage services
Mold remediation
Asbestos & lead abatement
Structural drying and reconstruction

Our holistic approach streamlines the restoration process, reduces delays, and improves the outcome of your claim.

Final Thoughts

A denied water damage claim isn’t the end of the road. With the right team, documentation, and persistence, you may still be able to secure coverage. At Metrix Restoration, we not only provide top-tier water damage restoration services—we help you understand the claims process and support you every step of the way.

Because the Power to Change the Matter Is in the Metrix.

Will Insurance Replace Water-Damaged Hardwood Floors

Apr 16, 2025 | Water Damage Restoration

Will Insurance Replace Water-Damaged Hardwood Floors? What You Need to Know in 2025

Water damage can cause significant disruption to your home, especially when it affects high-value materials like hardwood flooring. If you’re dealing with a flooded home and wondering whether your insurance will cover the replacement of water-damaged hardwood floors, you’re not alone. This is a common concern among homeowners who experience water intrusions due to burst pipes, appliance leaks, or severe weather events.

At Flood Metrix, we understand the emotional and financial stress that comes with water damage. That’s why we work closely with our customers and their insurance adjusters to ensure a smooth, transparent, and effective claims process.

In this article, we’ll explore how insurance carriers approach hardwood flooring damage, what your restoration contractor can (and cannot) do, and how the claims process works — especially in relation to water damage mitigation and restoration. We’ll also walk you through a real-world case study and provide professional insights that can help you make informed decisions.

Understanding the Insurance Claims Process for Water-Damaged Hardwood Floors

Will Insurance Cover Replacement?

In many cases, yes — homeowners insurance will cover the cost to replace hardwood floors that have sustained irreparable water damage. However, insurance companies won’t authorize full replacement unless there is clear documentation that the flooring is unsalvageable. And that documentation must be based on facts, not assumptions.

Before any restoration contractor removes hardwood floors, kitchen cabinets, or other structural components, the claims adjuster must evaluate the extent of the damage. Their job is to determine whether the flooring can be restored or must be replaced.

Step-by-Step: What Happens After Water Damage

1. Emergency Water Damage Mitigation

When your home is first flooded, the primary goal of a water damage restoration company is to stop the source of water and begin mitigation immediately. This often includes:

Water extraction
Humidity control
Structural drying
Moisture monitoring
Mold prevention

For hardwood floors specifically, contractors will use advanced structural drying systems such as negative pressure floor mats, heat drying systems, and moisture meters to remove as much water as possible without removing the flooring — at least initially.

2. Drying and Reacclimation

Once the moisture has been reduced to acceptable levels, the floors need to reacclimate. This period usually lasts between 30 to 60 days. During this time, the hardwood may continue to shift in shape or appearance, especially if it had previously “cupped” or “crowned.”

This phase is critical because a premature decision to refinish or replace may lead to wasted costs or insurance complications. The adjuster needs a clear picture of the final state of the floor once it’s fully dry.

The Role of Flooring Experts and Insurance Adjusters

It’s important to know that your water damage restoration technician does not decide whether your floors are salvageable. That decision falls to a flooring professional assigned by your insurance company — usually after the drying process is complete.

This expert evaluates the hardwood and determines whether it can be refinished or if replacement is the better option. They consider factors like:

The extent of warping or cupping
The type and quality of wood
Staining or discoloration
Subfloor damage
Risk of future mold growth

If there’s any doubt about a successful refinishing job, the expert will often recommend replacement to ensure homeowner satisfaction.

A Real Case Study: Flooded Hardwood Floors

Here’s a summary from a real flood damage restoration project handled by Flood Metrix:

The Situation

The home suffered extensive flooding across the basement, kitchen, and bathroom areas, with water exposure lasting approximately 36 hours.
Hardwood floors in multiple rooms showed elevated moisture levels, averaging 45 out of 100 on the moisture scale — with peak readings as high as 63. (For reference, 21+ is considered saturated.)

The Response

Flood Metrix deployed a range of structural drying equipment, including:
- Negative pressure floor drying systems
- Inflatable heat mats
- High-capacity dehumidifiers
- Industrial air movers
Indoor temperatures were adjusted from 55°F to 95°F and back down, while relative humidity was brought down from over 70% to 45%.
After 4 days, moisture levels in the hardwood floors were brought down to an average of 16, and the space was stabilized for further evaluation.

The Insurance Decision

Visible cupping was still present after drying. Based on this and moisture documentation, the insurance adjuster approved partial floor removal in affected areas. The flooring was documented, and services were billed using Xactimate WTR line items, ensuring proper coding for insurance reimbursement.

What You Should Know as a Homeowner

Key Takeaways

Don’t remove hardwood floors prematurely. Your insurance adjuster needs to assess them first.
Drying does not mean immediate replacement. Floors must re-acclimate for up to 60 days.
A flooring expert makes the final call on replacement vs. refinishing — not your contractor.
Document everything — Flood Metrix uses advanced tools and reporting to keep both homeowners and insurance adjusters informed at every step.

How Flood Metrix Helps You Navigate the Process

At Flood Metrix, we go beyond drying wet floors. We are an IICRC-certified company specializing in full-service water damage mitigation and restoration. Our team works directly with your insurance adjuster, ensuring every step is documented, compliant, and handled with integrity.

We help you with:

Emergency response and mitigation
Moisture mapping and equipment monitoring
Reacclimation guidance
Coordination with flooring experts
Final repair or reconstruction services
Insurance billing and documentation

We also offer in-house services that many companies outsource, including pack-out and storage, asbestos and lead abatement, plumbing repairs, and full reconstruction services — making us one of the top 25% of water damage mitigation companies in the country.

Final Thoughts: Don’t Guess — Get Professional Guidance

Replacing hardwood floors after water damage can be a complex, time-sensitive issue. Insurance will typically cover replacement — but only if the correct steps are followed and the damage is clearly proven to be irreversible.

That’s why working with a trusted professional like Flood Metrix is so essential. From start to finish, we help homeowners recover faster, more efficiently, and with peace of mind.

If your hardwood floors have been affected by water damage, contact Flood Metrix today. We’ll walk you through the process, help you protect your insurance claim, and restore your home with the highest standards of care.

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Reasons to Hire Flood Metrix for Water Damage Restoration

Apr 15, 2025 | Water Damage Restoration

Top 10 Reasons to Hire Flood Metrix for Water Damage Restoration in 2025

When it comes to water damage restoration, every second counts. In 2025, property owners are more informed, more proactive, and more discerning about who they trust to restore their homes or businesses. That’s why Flood Metrix stands out as a leader in the restoration industry — not just locally, but nationally.

As a full-service restoration company with many years of professional experience, Flood Metrix combines science, systems, and a service-first mindset to deliver unmatched results. In fact, Metrix Restoration is rated in the top 25% of water damage mitigation providers in the United States. This means we offer under one roof what 75% of companies simply cannot, including water damage mitigation, repairs, plumbing, pack-out and storage, asbestos and lead abatement, and more.

Here are the top 10 reasons to hire Flood Metrix — plus a bonus reason you’ll love.

Exceptional Customer Experience: From Stress to Satisfaction

At the heart of Flood Metrix’s mission is a simple but powerful goal: move each customer from stress to satisfaction. Facing a flooded basement, sewage backup, or pipe burst is a crisis — but we ensure our customers never feel alone in the process.

We don’t just fix problems; we listen, we communicate, and we follow through. Our team respects your time, your property, and your specific needs to ensure a personalized, professional, and positive experience every time.

Unmatched Quality Assurance in Water Damage Restoration

Water damage and mold remediation are precision services. There’s no room for shortcuts, guesswork, or careless mistakes — and at Flood Metrix, we don’t allow them. Our company is built on proven systems, scientific methods, and industry best practices.

We follow strict IICRC guidelines and continuously update our equipment, processes, and training to deliver safe, effective, and consistent results that meet — and often exceed — expectations.

Top-Tier Reputation and 5-Star Reviews

Our reputation speaks volumes. Flood Metrix consistently earns 5-star reviews across all major platforms and maintains an A rating with the Better Business Bureau (BBB). We’re also a preferred vendor for many insurance carriers in Virginia and Maryland — a testament to our reliability, transparency, and results.

From residential homeowners to commercial clients, our track record of excellence and customer satisfaction sets us apart.

Water Damage Restoration You Can Rely On

Flood Metrix is a fully licensed and insured LLC operating in Northern Virginia and Southern Maryland. We maintain the highest levels of professionalism, which is evident from our uniformed technicians and clearly marked vehicles to our organized project management systems and thorough documentation.

You’ll never wonder who you’re working with or where your project stands — we make every step clear and professional.

Certified and Experienced Industry Leadership

Flood Metrix is led by Khonsol Badu, a certified IICRC Master Water Damage Professional with nearly two decades of hands-on restoration and mitigation experience. His expertise and passion drive every decision the company makes — ensuring that each job is done right, the first time.

This expert oversight guarantees that your project is completed by qualified professionals who understand how to identify, contain, and resolve water damage and its root causes.

Advanced Equipment and Cutting-Edge Technology

In 2025, quality restoration means utilizing the most advanced tools available — and that’s exactly what we do. Flood Metrix is equipped with:

Industrial-grade dehumidifiers
Advanced moisture detection tools
Thermal imaging cameras
High-powered water extraction units
Digital documentation software

This allows us to provide faster drying times, more accurate assessments, and minimized secondary damage — saving you time, money, and headaches.

Preferred Water Damage Mitigation Vendor for Insurance Companies

Filing a water damage claim can be daunting — but it doesn’t have to be. Flood Metrix is an insurance-preferred vendor, which means we’re trusted by most major carriers to handle restoration projects efficiently, professionally, and in full compliance with industry standards.

We assist our clients with every step of the claims process, from inspection to documentation and billing, ensuring a smooth and stress-free experience.

All-in-One Water Damage Restoration Provider — Top 25% in the Nation

Here’s what truly sets Flood Metrix apart: we’re one of the few restoration companies in the country — in fact, the top 25% — that can offer comprehensive restoration services under one roof.

While most companies only handle a portion of the job, we do it all:

Water damage mitigation & structural drying
Licensed plumbing repairs
Pack-out and storage of belongings
Mold remediation
Asbestos and lead abatement
Reconstruction and remodeling
Carpet and air duct cleaning

By keeping everything in-house, we reduce delays, eliminate communication breakdowns between vendors, and maintain full control over quality from start to finish. That’s a huge advantage in today’s fast-paced and highly regulated environment.

Written Service Guarantee

We’re proud to back our work with a written service guarantee. This isn’t just marketing speak — it’s our promise to you that we stand behind everything we do. If something doesn’t meet our standards or yours, we’ll fix it. No hassle, no runaround.

With Flood Metrix, you’re not just getting a contractor. You’re getting a partner who’s fully invested in restoring your property and your peace of mind.

Price Match Guarantee

We understand the importance of cost, especially during an emergency. That’s why we offer a written price match guarantee. If you find a competitor offering the same scope of service for less, we’ll match it — no questions asked.

This ensures you receive premium service at a competitive price, without compromising on quality or results.

BONUS: Customer Rewards Program

We believe great service deserves to be recognized — and rewarded. That’s why Flood Metrix offers a Customer Rewards Program, providing benefits such as:

Discounts on future services
Referral bonuses
Exclusive seasonal promotions
Loyalty perks

Our relationship with our customers doesn’t end when the job is done — we value long-term partnerships and continued satisfaction.

Final Thoughts: The Flood Metrix Advantage in 2025

Water damage is unpredictable — but your response to it doesn’t have to be. Flood Metrix is more than a restoration company; we are a trusted, certified, and nationally ranked team that helps property owners recover faster, safer, and smarter.

From plumbing and water mitigation to asbestos abatement and full reconstruction, we deliver what 75% of other companies cannot — and we do it all while putting your needs first.

Don’t wait until disaster strikes. Save our number. Bookmark our website. And when water damage hits, call Flood Metrix — where mitigation meets mastery.

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How Much Does Water Damage Restoration Cost In 2025

Apr 10, 2025 | Water Damage Restoration

How Much Does Water Damage Restoration Cost in 2025?

Water damage restoration is a crucial service for homeowners and businesses alike, especially in regions like Northern Virginia and Southern Maryland, where seasonal storms, aging infrastructure, and extreme weather conditions are increasingly common. Whether caused by a burst pipe, roof leak, sewage backup, or natural disaster, water damage can escalate quickly—and so can the costs to fix it.

If you’re asking, “How much does water damage restoration cost in 2025?”—you’re not alone. It’s a common and important question. The answer? It depends on a number of key factors. At Metrix Restoration, we believe in transparency and education, which is why we’ve put together this comprehensive guide to help you understand what goes into the cost of emergency water removal and restoration services in today’s market.

Here are 11 major factors that influence the cost of water damage restoration in 2025:

Emergency Service Fees

Water damage restoration is almost always classified as an emergency service, which means pricing often reflects urgent response and 24/7 availability.

In 2025, the Xactimate standard emergency water removal fee in Northern VA and Southern MD starts at approximately $185 during regular business hours, and can increase significantly after 5:00 PM, on weekends, or during holidays. Your zip code and the availability of local technicians can also impact pricing due to travel time and demand.

Invasive vs. Non-Invasive Inspection

Free inspections are typically non-invasive, involving visual assessments and moisture detection tools like thermal cameras or moisture meters.

An invasive inspection, however, includes removing building materials such as drywall or flooring to assess hidden damage. This type of inspection is often necessary in severe cases and may incur additional costs, especially when structural damage or hidden mold is suspected.

Project Management

Water damage restoration is a lot more than just drying out a space. In 2025, most restoration companies, including Metrix Restoration, incorporate project management fees into their pricing structure.

These can cover:

Creating detailed inspection and mitigation reports
Coordinating with insurance adjusters
Travel time to source specialty materials
Monitoring and documentation throughout the restoration process

These services are essential for smooth communication with insurance providers and to ensure that restoration is code-compliant and efficient.

Project Preparation & Difficulty Level

Some restoration jobs require more prep work than others. For example:

Moving or storing large furniture and belongings
Installing protective floor coverings
Setting up containment zones to control cross-contamination

This level of preparation adds time, labor, and materials to the cost. In 2025, with labor and materials costs continuing to rise nationwide, this line item can add several hundred dollars or more depending on the scope of the project.

Category of Water Contamination

The category of water involved in a damage incident is one of the biggest factors affecting restoration cost. Here’s a 2025 refresher:

Category 1 – Clean Water: From sources like broken supply lines or overflowing sinks. Still safe but can deteriorate into more hazardous categories quickly if not addressed.
Category 2 – Gray Water: Contains bacteria or other contaminants. Originates from dishwashers, washing machines, or bathwater.
Category 3 – Black Water: Highly contaminated. Comes from sewage, flooding, or stagnant water. Requires extensive PPE, decontamination, and often full structural drying and demolition.

Category 3 water damage is the most expensive and labor-intensive to remediate due to biohazard concerns and regulatory compliance.

Equipment Requirements

Professional water damage restoration requires specialized equipment, which is rented per day, per unit. This includes:

Commercial dehumidifiers
Air movers
Air scrubbers
Moisture meters and thermal imaging tools

In 2025, the daily equipment rental costs average $75–$150 per unit, and you may need multiple units depending on the size of the affected area. Equipment setup, breakdown, and decontamination can also add to the total.

Use of Specialty Equipment

Some jobs require specialized drying systems that go beyond standard dehumidifiers. These include:

Injectidry systems for walls and floors
Directed heat drying systems
Hardwood floor drying mats

Specialty equipment is more expensive to operate but often saves time and preserves materials that would otherwise be demolished. These tools can be the difference between saving a hardwood floor and tearing it out.

Demolition & Decontamination

If materials like drywall, carpet, or insulation are too saturated or contaminated, they must be removed. Demolition and disposal costs vary based on:

Water category
Volume of waste
Access to affected areas

2025 has seen continued inflation in labor and disposal rates, so this line item can quickly become one of the largest cost drivers in a water damage restoration job—particularly with Category 3 water.

Disposal Fees

Disposing of water-damaged materials involves more than tossing trash in a bin. Professional contractors must follow local environmental guidelines for disposal, which may include:

Dump fees (around $135 per run)
Dumpster rentals (starting at $300, plus $85 for each additional ton over the included weight)

Make sure your restoration provider includes disposal in their estimate—it’s not always automatically itemized.

Post-Mitigation Testing

After mitigation is complete, a post-mitigation inspection or clearance test may be necessary, especially for high-risk areas or insurance claims. This verifies that moisture levels are back to normal and that no contamination remains.

In 2025, these tests range between $350–$550, although many restoration providers, including Flood Metrix, may waive or include these fees depending on the service package. It’s always worth asking.

Final Cleanup

Water damage restoration doesn’t end when the fans are turned off. Final cleanup includes:

Removing containment barriers
Floor protection removal
Dust and debris cleanup
Final disinfecting of surfaces

Costs vary depending on whether the property is residential or commercial. Commercial cleanups often involve more square footage and compliance with specific sanitation standards.

The 2025 Bottom Line: What Should You Expect to Pay?

The cost of water damage restoration in 2025 varies widely, but most projects in Northern Virginia and Southern Maryland will fall between $1,200 and $8,000, depending on the scope, type of water, and size of the affected area.

For major Category 3 jobs or multi-level flooding, costs can easily exceed $10,000–$20,000, especially if reconstruction or mold remediation is required.

Pro Tip: Choose a Certified and Transparent Company

At Metrix Restoration, we pride ourselves on offering fair pricing, detailed estimates, and 24/7 emergency response. We use Xactimate pricing, which is the industry standard recognized by all major insurance companies.

If you’re dealing with water damage now, or just want to be better prepared, we’re here to help.

Need Help Now?

Call Metrix Restoration 24/7
Serving Northern VA & Southern MD
“Choose Metrix Over The Matter Because The Power To Change The Matter Is In The Metrix”

The Water Damage Restoration Process

Apr 8, 2025 | Water Damage Restoration

The Metrix Water Damage Restoration Process: 2025 Guide

At Metrix Restoration, we understand that experiencing water damage in your home or business can be overwhelming. Whether caused by heavy rainfall, burst pipes, appliance leaks, or a sewage backup, every minute counts when it comes to mitigating loss and restoring your property. That’s why our water damage restoration process is designed to be swift, thorough, and transparent.

In 2025, Metrix Restoration continues to lead the industry with cutting-edge technology, IICRC-certified expertise, and a customer-first approach that turns disaster into relief. Here’s what you can expect when you call us for water damage restoration services.

Initial Call & Critical Information Gathering

The more we know before arrival, the faster we can help. When you first contact Metrix Restoration, a customer care representative will ask a series of important questions to prepare our team for immediate action. Key information includes:

Is the electricity on or off?
What areas are affected (basement, main level, multiple floors)?
Are the rooms furnished or empty?
What type of flooring is involved (hardwood, tile, carpet, etc.)?
Are any personal belongings or contents damaged?
Are there any health risks such as mold, sewage, or chemical contamination?
Insurance adjuster’s name and contact info, if applicable.

This pre-arrival intake helps us assess the scope of the issue, deploy the correct equipment, and allocate the right personnel. Accurate reporting at this stage can significantly streamline the overall restoration timeline.

Water Damge Restoration Service Agreement & Scheduling

Once you decide to move forward—whether for emergency water removal or a FREE no-obligation estimate—we’ll send you a digital service agreement via email or text. This form:

Grants our team permission to access the property
Outlines the scope of the initial services
Limits liability for both parties
Does not bind you to additional services

We’ve updated our digital onboarding process in 2025 to be faster and more secure, using e-signature platforms and two-step verification to protect your privacy and data.

Water Damage Mitigation Fast Response Time

Metrix Restoration maintains an average arrival time of 45 to 90 minutes for emergency water damage calls. Thanks to GPS-dispatched technicians and strategically located equipment hubs, we can respond faster than ever.

We understand that water damage doesn’t wait—and neither should you.

Water Damge Restoration Insurance Claim Assistance

Navigating insurance claims can be stressful, especially during a water emergency. That’s why we offer full-spectrum support to help you decide whether filing a claim is in your best interest or if self-pay makes more financial sense.

If you choose to file a claim, we’ll:

Assist with documentation for your insurance provider
Provide moisture mapping, photos, videos, and itemized lists
Communicate directly with your adjuster on your behalf
Ensure your deductible is collected and recorded correctly

We’ll walk you through the claims process step-by-step and keep you in the loop throughout the project.

Water Damage Restoration Assessment

Upon arrival, an IICRC-certified water damage professional will begin with a full inspection of your property using the latest diagnostic tools:

Thermal imaging cameras to detect hidden moisture
Borescopes for checking inside walls and tight areas
Thermo-hygrometers to measure humidity and climate conditions
3D imaging and virtual sketching for accurate documentation

Every project begins with a clear understanding of the situation. We document affected and unaffected areas, assess damage to structural components and contents, and identify any safety hazards or special considerations.

Water Damage Site Prep & Safety

Before we begin the water extraction process, our team takes several precautionary steps to protect your home:

Lay down floor protection
Relocate or elevate contents to prevent further damage
Set up containment barriers if mold or hazardous conditions are present

For safety and liability reasons, property owners are not permitted in active work zones unless specifically cleared by the project manager. This phase typically lasts through the water removal and into the beginning of the drying process—roughly 24 to 72 hours, depending on the severity of the damage.

Water Removal Services

Water extraction is the most crucial step in any restoration project. We use advanced, commercial-grade water removal tools including:

Weighted sub-surface extractors
Truck-mounted vacuum systems
Hardwood floor drying mats
Wall cavity drying systems

Whether your property has wet carpet, tile, hardwood, or drywall, Metrix Restoration has the tools and expertise to remove the water quickly and thoroughly. Speedy extraction minimizes damage and accelerates the drying process.

Controlled Demolition & Decontamination

While our goal is always to restore rather than remove, some materials may be too saturated or contaminated to salvage. If that’s the case, we’ll perform a controlled demolition—removing only what’s necessary.

Examples of demo actions include:

Cutting and removing damaged drywall
Detaching baseboards and trim
Pulling up non-salvageable carpet or padding

We handle all materials per IICRC S500 standards and never dispose of personal property—such as documents, heirlooms, or electronics—without your consent.

Sanitization follows immediately after demo. We use eco-friendly, EPA-registered antimicrobial solutions to decontaminate all affected surfaces.

Dehumidification & Structural Drying

Next comes the drying phase. Our drying strategy is customized based on the materials and structure of your property, and includes:

Low-grain refrigerant (LGR) dehumidifiers
Axial and centrifugal air movers
Injection drying systems for cabinets and behind walls
Desiccant drying systems for specialty projects

Most standard drying projects take about 72 hours, though hardwood floors and cabinetry may require 5–9 days. Your equipment will be monitored and adjusted regularly to ensure efficiency and safety.

We will also generate your water mitigation invoice during this phase, separate from any reconstruction costs. Insurance providers categorize this as the “mitigation phase”, distinct from contents or rebuild services.

Water Damge Restoration Final Cleanup & Clearance

Once your property has reached IICRC-documented dry standards, we’ll remove all drying equipment and containment barriers. Final cleanup includes:

HEPA vacuuming
Surface wipe-downs
Carpet and upholstery cleaning (if applicable)
Disposal of waste and demo debris

Our goal is a professional-grade construction cleanup, not a maid service deep clean. We focus specifically on the areas affected by the water loss, per IICRC S500 and S520 standards.

Quality Assurance & Continued Support

Your project doesn’t end with drying—it ends with peace of mind.

Every Metrix Restoration project is backed by our Metrix Quality Service Guarantee. We’re committed to your satisfaction and offer continued support even after your water damage restoration is complete. We also provide:

Mold remediation
Odor removal
Structural repairs
Crawl space and basement waterproofing
Preventative inspections

We believe in building long-term relationships, not just quick fixes. When you choose Metrix, you’re choosing a partner who values your trust.

Choose Metrix Restoration — Because the Power to Change the Matter is in the Metrix

Whether it’s a small leak or a catastrophic flood, Metrix Restoration is here to guide you every step of the way. From initial assessment to final walkthrough, we bring experience, empathy, and excellence to every job.

Call us today or schedule your free estimate online and experience why more homeowners and businesses trust Metrix in 2025.

Water Damage VS Flood Damage

Apr 6, 2025 | Water Damage Restoration

Water Damage VS Flood Damage: what is the difference?

Water-related damage is a significant concern for homeowners, business owners, and property managers. Whether it’s caused by a burst pipe, heavy rainfall, or a natural disaster, understanding the difference between “water damage” and “flood damage” is critical when it comes to insurance claims and mitigation efforts. Though these terms are often used interchangeably by homeowners and non-professionals, there are key differences that your insurance company will use to determine coverage. In this article, we’ll dive into the two main factors that determine whether the damage to your property is classified as water damage or flood damage.

Water Damage and Flood Damage: Defining the Terms

Both “water damage” and “flood damage” refer to situations in which water or moisture causes harm to property, belongings, or infrastructure. However, understanding these terms is essential, especially when it comes to insurance coverage, as the specifics of each type of damage can significantly affect the amount of coverage available.

Water damage can occur due to a variety of factors. For example, if your roof leaks during a rainstorm or a pipe bursts inside your home, the water can seep into walls, ceilings, and floors, leading to damage. In these cases, the water intrusion originates from within the property itself—whether due to a failed appliance, pipe, or roofing structure.

Flood damage, on the other hand, generally refers to water that originates outside the building, typically from natural disasters or external water sources. Flooding can happen due to heavy rainfall, hurricanes, or rising river waters. However, it may also result from blocked drainage systems or severe weather conditions, which overwhelm natural or man-made infrastructure designed to manage water.

Key Factors in Classifying Water vs. Flood Damage

Amount of Water in the Affected Area

One of the most important aspects that insurers and restoration companies use to classify water damage as either “water” or “flood” damage is the amount of standing water present in the affected area. This can help determine the severity of the damage and the steps needed for remediation.

Water Damage: If the water intrusion is localized—such as a small leak from a pipe, or if only part of a room is affected—this would typically be classified as water damage. For example, if a pipe bursts under the sink and leaks water onto the kitchen floor but does not spread throughout the room, it may not be considered a flood. Instead, it’s water damage that may be easier to clean and repair.
Flood Damage: Flood damage occurs when enough water accumulates to saturate the entire floor area of a room, or even the whole house or business. Flooding is usually marked by a larger volume of water, often resulting in the complete submersion of the floors and affecting a wider area of the property. This type of water damage typically occurs when water enters from an external source and spreads across a significant area.

Insurance companies use this distinction to assess the scope of the damage and determine whether a policy covers it. For example, even if a roof leak allows water to seep in and damage part of a room, it will not be considered flooding, whereas a storm surge or rising river waters that cover an entire basement would.

The Source of the Water Intrusion

The source of the water is the second major factor that determines whether the damage is classified as water or flood damage. Essentially, the question is: Did the water come from inside the property or from an external source?

Water Damage (Internal Source): Water damage is generally caused by failures of systems within the home or building. Common sources include broken pipes, leaking roofs, faulty appliances, failed sump pumps, or malfunctioning air conditioning systems. Essentially, water damage refers to any situation where water originates from inside the structure and causes harm to the property.
Flood Damage (External Source): Flood damage is typically caused by external factors, such as heavy rainfall, rising rivers, flash floods, or storm surges. Essentially, floodwater originates from outside the building and intrudes into the property, often overwhelming drainage systems, causing widespread damage to the structure and belongings. Floodwater may also carry contaminants like dirt, debris, and sewage, which can create additional hazards.

This distinction is crucial when it comes to insurance. Standard homeowners and business insurance policies usually cover water damage caused by internal factors but exclude coverage for flood damage unless you have a separate flood insurance policy. In the event of a natural disaster or large-scale flood, homeowners without flood insurance may find themselves facing substantial out-of-pocket costs.

Water Damage Restoration vs. Flood Damage Restoration

Once water damage has occurred, it is essential to begin the restoration process as soon as possible. Both water damage and flood damage require immediate attention to prevent further issues, such as mold growth, structural weakening, or the loss of personal belongings. However, the restoration processes for water and flood damage differ in several key ways.

Water Damage Restoration

Water damage restoration focuses on mitigating damage caused by water that originates from inside the property. The primary goals are to remove excess water, dry out the affected areas, and prevent long-term damage to the structure. Depending on the severity of the damage, the restoration process may include:

Water extraction using industrial-grade vacuums and pumps
Dehumidification to eliminate moisture from walls, floors, and air
Cleaning and sanitizing surfaces to prevent mold growth
Repairing structural elements such as drywall, flooring, and insulation
Repainting or replacing damaged materials

This process is typically quicker and less complex than flood damage restoration.

Flood Damage Restoration

Flood damage restoration is a more complex and intensive process, as it usually involves larger volumes of water and often includes hazardous materials, such as debris or sewage. In addition to standard water extraction and drying techniques, flood damage restoration requires additional steps, including:

Removing contaminated materials such as carpeting, insulation, and drywall
Disinfecting the area to eliminate harmful bacteria and mold
Restoring electrical systems that may have been exposed to floodwater
Addressing structural damage due to the prolonged exposure to water

Flood damage often requires specialized equipment and expertise to handle the extent of the damage and ensure the property is safe and habitable again.

Insurance Considerations for Water and Flood Damage

Understanding the insurance implications of water damage versus flood damage is crucial for property owners. While most standard homeowners’ insurance policies cover water damage caused by internal sources like burst pipes or appliance failures, flood damage typically requires a separate policy.

Water Damage Coverage: This is usually included in standard homeowners or business insurance policies, but only if the water originates from within the building. For example, if a pipe bursts or an appliance fails and causes water damage, this will generally be covered under your policy.
Flood Damage Coverage: Flood damage, caused by external factors such as heavy rains or rising floodwaters, is generally not covered under standard insurance policies. If you live in an area prone to flooding, it’s essential to consider purchasing a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer. Flood insurance helps cover the costs of repairs, replacement of personal belongings, and rebuilding efforts in the aftermath of a flood.

Conclusion

Water damage and flood damage, though related, are distinctly classified based on the amount of water and the source of the intrusion. Water damage generally refers to issues originating within the home, such as a broken pipe or leaking roof, while flood damage is caused by external water sources, such as heavy rain or rising waters.

Both types of damage require prompt action to mitigate long-term effects and prevent further harm, such as mold growth or structural instability. It’s crucial to understand the differences between water and flood damage to ensure you have the proper insurance coverage and to act quickly to restore your property.

If you’re facing water damage or flooding in Northern VA, don’t hesitate to contact a professional water damage restoration company. Experts in the field can assess the damage, initiate proper remediation, and help bring your property back to its pre-damage condition.

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