Question 1

Does homeowners insurance cover water damage?

Accepted Answer

Most policies cover sudden and accidental water damage — a burst pipe, a failed water heater, an overflowing appliance. Gradual leaks, long-term seepage, and surface flooding are usually excluded, and flood typically requires separate NFIP coverage. We'll tell you honestly how your loss is likely to be classified before you file.

Question 2

Should I call my insurance company or Meadowlark first?

Accepted Answer

Call us first. Policies require you to take reasonable steps to prevent further damage, and our arrival plus documentation strengthens the claim. We can be extracting water while you're on hold with your carrier.

Question 3

How long does structural drying take?

Accepted Answer

Most residential losses reach dry standard in three to five days. Dense materials like hardwood, plaster, and concrete can take longer. We take daily moisture readings and only pull equipment when materials actually hit target — not on a schedule.

Question 4

What should I do immediately after water damage?

Accepted Answer

Shut off the water source if you can do it safely. Kill power to affected rooms at the breaker. Move valuables and electronics up and out. Don't use a household vacuum on standing water, and don't walk on soaked ceilings from above. Then call us.

Question 5

Will you work with any insurance company?

Accepted Answer

Yes. We work with all major carriers in Colorado and are familiar with their documentation requirements. You are never required to use a carrier's preferred vendor — the choice of contractor is always yours.

Question 6

What if my claim is denied?

Accepted Answer

We'll provide the full documentation package to support an appeal, and we offer transparent self-pay pricing with financing options so drying can continue while the claim is sorted out.

Question 7

Do I have to pay anything up front?

Accepted Answer

For covered losses, typically just your deductible. We bill the carrier directly for the remainder of the approved scope.

Question 8

Can mold be part of a water damage claim?

Accepted Answer

Sometimes. Many Colorado policies cap mold coverage or exclude it when the underlying water damage was gradual. Fast mitigation is the best way to keep mold out of the equation entirely.

We handle the paperwork, you handle recovery

Your claim, start to finish

Call us first

We document everything

Industry-standard estimating

We talk to your adjuster

You pay your deductible

Questions homeowners ask us most

Not sure if you're covered?