Common questions
Clear answers when
you need them most.
20 questions on emergency response, costs, drying, insurance, mold and the areas we cover across Chicago and the surrounding suburbs. Jump to a topic or read straight through.
Emergency
Emergency response.
What to do in the first hour, how fast water damage turns serious in Chicago's climate and when not to touch it yourself.
Ask us directlyDo you offer 24/7 emergency water damage response in Chicago?
Yes. We run a 24/7 emergency response across Chicago and the surrounding suburbs, including nights, weekends and holidays, because water damage gets worse by the hour and a Chicago basement gives mold a head start within 24 to 48 hours. Typical travel time is 40 to 75 minutes depending on where you are and the time of day, and active water, sewage backups and multi-unit jobs go to the front of the queue. When you call, we ask a few questions about the source and the water category so the crew arrives with the right extraction and drying equipment on the truck. Thaw week after a deep freeze is our busiest week, so call early.
What should I do in the first hour after finding water damage?
Stop the water first: close the shutoff under the sink or behind the toilet, or the main valve where the service enters the basement if you cannot find the source, and shut off the water heater if it is the cause. If the panel is dry, turn off the breaker for the affected area, and never enter a flooded basement with standing water while the power is on. Move furniture and rugs off wet carpet and put foil or blocks under the legs of anything you cannot move. Photograph everything before you touch it for the adjuster. Do not use a household vacuum on water and do not try to clean up sewer backup yourself. Then call us.
My basement flooded through the floor drain during a storm. What happened?
Most of Chicago and the older inner suburbs run stormwater and sewage in the same combined sewer, and in a heavy summer downpour the system surcharges and pushes sewage-laden water back up through floor drains, basement toilets and showers. That is Category 3 black water under the IICRC S500 standard, and it contaminates everything porous it touches. Keep children and pets out, wear gloves, boots and an N95 or better if you must go down, and do not run fans that spread it. We extract, remove the contaminated drywall, carpet and contents, treat the framing with antimicrobial and then dry. Report it to Chicago 311 as well, and ask us about a backwater valve or overhead sewer conversion afterwards.
What do I do if a pipe freezes or bursts in winter?
If a pipe is frozen but not yet burst, open the faucet it feeds, warm the pipe gently with a hair dryer or space heater, and never use an open flame. If it has burst, shut the main valve where the water service enters the basement, kill the breaker for the affected area if the panel is dry, and call us. Pipes in exterior walls, uninsulated crawl spaces, garages, attics and vacant units freeze first, and most bursts show up during thaw week after a polar vortex rather than at the coldest moment. Sump pumps that fail in a storm power outage are the summer equivalent; a battery backup pump is the fix for that one.
Pricing
Costs and pricing.
Price ranges in USD for extraction, drying, carpet, mold and sewage work. Quoted on site after moisture mapping, and the quote is free.
Ask us directlyHow much does water damage restoration cost in Chicago?
It depends on the water category and how far it has spread. A clean-water job across two or three rooms, such as a burst supply line caught the same day, typically runs $2,000 to $6,500 including extraction, drying equipment and daily monitoring. Gray or black water across multiple rooms, where drywall, carpet and pad have to be removed and the structure sanitized before drying, runs $6,500 to $18,000 or more. The emergency call-out and inspection, including moisture mapping and a written report, is $250 to $500 and is credited against the restoration work. We quote on site after mapping the moisture, not from a description over the phone, and the estimate is free.
What does emergency water extraction cost?
Water extraction on a standard home or basement is $500 to $2,500 per job, depending on the volume of water, the number of rooms and whether we are pulling it from carpet, a slab or a finished basement. That covers truck-mounted or portable extraction, disposal and the initial moisture map. Structural drying is separate: air movers and LGR dehumidifiers run $50 to $125 per unit per day, and a typical two-room dry-out takes three to five days. Basement flooding cleanup as a package, with extraction, disposal, sanitizing and drying, runs $1,500 to $10,000 depending on the water category and the finish level. We tell you the numbers before we start.
How much does carpet and floor drying cost after water damage?
Carpet drying and restoration is $200 to $600 per room, which includes lifting the carpet, assessing the pad, extraction, antimicrobial treatment and drying with air movers. Pad usually cannot be saved once it is saturated and is replaced, which we price separately. Hardwood, laminate and tile floor drying is $400 to $1,800 per area, because it involves drying mats or injecting air under the boards and closer monitoring. Whether carpet is worth drying depends on the category: clean water from a burst pipe is usually fine if we reach it within a day or two, gray water is case by case, and black water from a sewer backup means the carpet is removed and disposed of.
What do mold remediation and sewage cleanup cost?
Mold remediation in a contained area is $1,500 to $6,000, depending on how much material has to be removed, whether we need negative-air containment and how far the growth has spread inside the wall or under the floor. Sewage backup cleanup and sanitization runs $3,000 to $10,000 because everything the black water touched is contaminated and has to be removed, the structure treated with antimicrobial, and the area confirmed clean before rebuilding. Frozen and burst pipe water damage, covering locating the break, extraction, drying and minor drywall, is $1,500 to $8,000. Storm damage make-safe and drying runs $800 to $4,500, and contents pack-out and restoration $1,000 to $5,000. Every job is quoted on site before work starts.
Drying
Drying and restoration.
How long drying takes, what can be saved and what the equipment hire rates actually cover.
Ask us directlyHow long does it take to dry a house after water damage?
Three to five days is typical for a clean-water loss across a few rooms once the standing water is extracted. Basements and slab floors take five to ten days because the concrete holds moisture and the space is cool and damp year-round. The drying is done with air movers to pull moisture off surfaces and LGR dehumidifiers to take it out of the air, and we measure progress daily with moisture meters and a hygrometer rather than judging by touch. The job is finished when the readings match a dry reference area in the same house, not when the carpet feels dry, because moisture inside bottom plates and under the slab lags well behind the surface.
Why do Chicago basements take longer to dry?
A basement is below grade, so the walls and floor sit against soil that stays cool and damp all year, and the space itself is usually 55 to 65 degrees with high humidity even before a loss. Cool air holds less moisture, so evaporation is slow and dehumidifiers work harder. Concrete slabs and block walls absorb water and release it back into the room for days after the surface looks dry. Finished basements make it worse: drywall, carpet pad and paneling trap moisture against the framing. We usually run five to ten days of drying, warm the space where we can, and pull moisture readings from the slab and the bottom plates rather than the surface.
When does wet drywall have to be cut out instead of dried?
Drywall that got wet from clean Category 1 water, such as a burst supply line, can usually be dried in place if we reach it within a day or two and it has not swelled or lost its paper bond. Drywall that has been wet for more than a couple of days, that has visible mold, or that has been soaked by gray or black water from a sewer backup, a sump overflow or floodwater comes out, typically cut to a straight line above the water mark. Insulation behind it comes out too because it holds contaminated water. Carpet pad, particleboard and swollen laminate are removed regardless of category. We tell you which you are dealing with after moisture mapping.
Insurance
Insurance and claims.
Storm versus flood, what Illinois policies usually cover and how we document a claim.
Ask us directlyDoes homeowners insurance cover water damage in Illinois?
Usually, but it depends on the cause. A standard HO-3 homeowners policy covers sudden and accidental discharge: burst pipes, a failed water heater, an appliance supply line, and frozen pipes if reasonable heat was maintained. It excludes surface flooding from rivers or overland flow unless you carry a separate flood policy through the NFIP or a private carrier, and it excludes sewer backup and sump pump overflow unless you added a water backup and sump discharge or overflow endorsement, typically with limits of $5,000 to $25,000. Gradual leaks and long-term seepage are excluded. We document the cause, the water category and the extent of damage so the claim reflects what actually happened.
What is the difference between sewer backup, flood and burst pipe coverage?
They land in three different places on an Illinois policy. A burst pipe or appliance failure is sudden and accidental discharge and is covered by a standard homeowners policy. A combined sewer backup or a sump pump overflow is covered only if you have the water backup endorsement, and the limit on that endorsement is often smaller than the loss. Overland flooding from the Des Plaines, DuPage or Chicago River is covered only by a separate flood policy. After a federal disaster declaration, such as the one for Cook County following the July 2023 storm, FEMA Individual Assistance and SBA loans may help households whose policies did not respond. Which category your water falls into decides the claim.
What documentation will the adjuster want?
Adjusters expect dated photos of the source and the damage before anything is moved, a moisture map of every affected room showing where the water went, a daily drying log with readings coming down over time, and an itemized scope of work, usually in the Xactimate format that Illinois carriers use. We produce all four on every job. Keep receipts for anything you buy or dispose of, and do not throw out damaged contents until they are photographed. If you disagree with how the claim is handled, the Illinois Department of Insurance takes complaints. Mitigation and emergency services are covered when they are documented, so do not wait for the adjuster to visit before calling us.
Will you bill my insurance company directly?
Yes, where the carrier approves direct billing, and most do for mitigation work. We provide the documentation they expect: a photo report before and after, a moisture map of every affected room, a drying log and an itemized scope. Emergency extraction and drying that stops the damage getting worse is generally covered when documented, so do not wait for an adjuster to arrive before calling. In condo buildings we produce one report that covers every affected unit so the association's master policy and the individual owners' policies are working from the same facts. If your claim is declined or you are not insured, we quote the work privately at the same rates.
Mold
Mold and health.
Why Chicago summer humidity gives mold a 24 to 48 hour head start and how remediation to the S520 standard works.
Ask us directlyHow quickly does mold grow after water damage in Chicago?
Faster than most people expect. Wet drywall, carpet pad and wood framing can support visible mold within 24 to 48 hours, and Chicago's humid summers, with dew points often between 65 and 75 degrees, give it everything it needs. Basements are the worst case because they stay cool and damp year-round, so the lower drywall, paneling and stored contents grow mold first. That is why we start drying immediately rather than waiting for an adjuster, and treat wet materials with antimicrobial as we go. Once growth is established it becomes a remediation job under the IICRC S520 standard rather than a straightforward dry-out, and the cost climbs accordingly.
Is the air in my home safe after water damage or mold?
Not until the moisture source is fixed and any growth is contained. We follow the IICRC S520 standard and EPA guidance: find and stop the water, seal the affected area with plastic sheeting under negative air so spores are pulled through HEPA filtration rather than into the rest of the house, remove porous materials that cannot be cleaned, and HEPA vacuum and treat the framing. Sewer backup adds a sewage exposure on top of mold. If anyone in the home has asthma, a respiratory condition or a weakened immune system, or the affected rooms are bedrooms, staying elsewhere for a few days is sensible and is often covered under the claim.
Service Areas
Service areas.
Chicago and the surrounding suburbs, same rates across the board, apartments and condo associations included.
Ask us directlyWhich Chicago neighborhoods and suburbs do you cover?
We cover the City of Chicago and the surrounding Chicagoland suburbs in Cook and DuPage counties on a 24/7 basis. In the city that includes downtown, the North Side, West Side and South Side, from the Loop, River North and Streeterville through Lincoln Park, Lakeview, Logan Square and Albany Park, the West Loop, Wicker Park, Pilsen and Austin, and Hyde Park, Bridgeport, Beverly and Chatham. In the suburbs we cover Evanston, Skokie, Park Ridge and Des Plaines to the north and Oak Park, Cicero, Naperville and West Chicago to the west, along with the communities between them. If you are on the edge of that area, call anyway and we will tell you straight away.
How fast can you get to me, and do suburbs cost more?
Typical travel time is 40 to 75 minutes depending on where you are and the time of day. Downtown and the North Side are the shortest runs, the West and South Sides are usually under an hour, and Naperville and West Chicago sit at the longer end. We give you a realistic arrival window when you call rather than a guess. The price ranges on this site apply across the whole coverage area and we do not add a travel surcharge for suburban jobs. The local technicians know the difference between a Des Plaines River flood in Park Ridge, a combined sewer backup in Cicero and a sump failure in Skokie, and arrive with equipment for the job at hand.
Do you work in condo buildings, two-flats and commercial properties?
Yes, and a large share of our city work is multi-unit. Water in a two-flat, a three-flat, a courtyard building or a high-rise rarely stays in the unit where it started, so we moisture map every affected unit, set up containment and drying floor by floor, and coordinate with the building manager, the condo association and the insurers involved, which are often more than one. We provide a single photo and moisture report covering all affected units so the association has one document for its master policy. Commercial work, including retail, restaurants, offices and below-grade parking and mechanical rooms that flood in a storm, runs on the same 24/7 basis with pumping out before drying begins.

Question not answered?
Ask the technician who will actually attend.
Send the short form with a line about what happened. A restoration coordinator will call back with a straight answer, and if it needs eyes on site, the assessment comes with a free quote.