The questions people ask at 3am.

Nassau County: under 45 minutes, 24/7. Suffolk County: under 60 minutes. We maintain fully-stocked trucks in Bethpage and Bay Shore specifically to keep these response times tight.

Yes. The 24/7 dispatch line rings through to a live dispatcher every hour of every day, including weekends and holidays. Not a promise — the business model.

No. Flat rates, no premium for overnight calls, no holiday surcharge. We built the company around answering at 3am — charging extra for that would defeat the purpose.

All major NY carriers: Allstate, State Farm, GEICO, Travelers, USAA, Liberty Mutual, Nationwide, Farmers, Amica, Chubb, and dozens of regional carriers. We bill direct.

Your carrier pays us directly via EFT. You pay only your deductible at completion. No money out of pocket during the job — no waiting for a reimbursement check.

Depends on the reason. Wear-and-tear denials can often be appealed with proper documentation. Flood vs. water damage disputes require coverage review. We help identify what is worth appealing and refer to a licensed public adjuster when needed.

Most standard HO3 policies do not include sewer backup without a specific rider. If you have a sewer backup claim, we help you confirm whether the coverage applies before we start work.

Depends on water volume, square footage, contamination level, and contents. Most jobs typically run $2,500-$15,000. Insurance covers the vast majority. We bill direct, so you pay only your deductible.

Burst pipe jobs: 3-5 days. Basement flooding: 5-9 days. Sewage jobs: 7-10 days. We use moisture meters — not a calendar — to call it dry. Our structural drying protocol aims for the fewest materials removed and the lowest chance of hidden mold.

Usually no, unless there is sewage involved or widespread mold across multiple floors. Drying equipment is loud but confinable. We work around your family.

Yes, if we arrive within 48 hours of the water event and run a proper drying cycle with EPA-registered antimicrobials. Mold prevention costs a fraction of remediation. Calling fast is the single best thing you can do.

Visible black, green, or white growth. Musty smell. Visible water staining on drywall or ceilings more than 48 hours old. If you see any of these, call us and do not disturb the area.

No. Sewage is Category 3 biohazard water carrying bacteria, viruses, and pathogens. Stay out of the affected area and any area the water may have traveled to. Call us — we arrive in full PPE and handle it by the book.