Water damage is one of the most common causes of homeowner’s insurance claims yet it's also something we tend not to know a lot about unless we've personally experienced a water loss event ourselves. 

With over 18 years of providing emergency water damage response, Premier Restoration Hawaii has compiled our most frequently asked questions to help homeowners experiencing an unexpected event better understand the process. 

Step # 1: CALL A PROFESSIONAL water damage restorer to begin the restorative drying process. 

Step # 2: CONTACT YOUR HOMEOWNER'S INSURANCE COMPANY to go over your policy and to see if the damages are covered.

Frequently Asked Questions:

How much does water damage repair cost?

Many factors go into calculating the exact cost to repair your affected space. Such items to consider are: the amount of water that caused the damage, how long the water sat before it was extracted and the drying process started, the salvageability of building finishes.  Generally, repair costs are between $4-$10 per square foot to establish your property as clean, safe and dry; however, every day that you delay the cost of repairs, that general cost increases 3 times.

Will my insurance cover this service?

Every insurance policy is different. The only person who can determine coverage is someone who sells or services your policy- an agent or an adjuster.  In our experience, a majority of water damage events are covered. However, if you delay responding to the issue, your insurance could deny your claim. General rule of thumb: anything sudden and accidental will be covered but water damage caused by deferred maintenance may be denied coverage.

How long does the drying process take?

On average, it takes 3-8 days to get your space clean, safe and dry. However, the timeline can fluctuate based on severity of damages and response to the water loss. During this time we will begin to assemble your reconstruction estimate.

How does Premier Restoration Technicians Monitor the Drying process?

Our IICRC Certified Water Damage Restoration technicians will take moisture readings upon the initial inspection to determine moisture levels in the affected areas. Throughout the drying process, a representative from Premier Restoration will schedule periodic checks so they can monitor moisture readings and adjust equipment to accelerate drying.

Our monitoring of the atmosphere of the affected area occurs as frequently as possible; ideally, monitoring occurs daily, however we work with our customers’ schedules and their availability to be home for scheduled monitoring.

Can I turn the equipment off?

We recommend to not turn off any of the installed drying equipment. Turning off the equipment may slow down the drying process and your insurance provider may not pay for the additional days of drying due to the powered off equipment.

Should I be concerned about mold or bacterial growth?

The faster an area can be dried, the greater the chances of limiting further damages and preventing the growth of mold or bacteria.  With Premier Restoration Hawaii’s emergency response services to the water damage and a drying process immediately established, there is a low likelihood of microbial growth from occurring. However, if there is an existing mold issue in the same area as the water damage, our technicians are IICRC Certified Mold Removal Specialists who are equipped to order testing and provide a remediation plan to remove the mold effectively in conjunction with the drying process.

Will my floors, walls and cabinets need to be replaced?

The type of material, the amount of moisture present, severity of the water loss and the sanitary condition of the water will ultimately determine whether your building materials can be salvaged or if they will require replacement.

When should I test for hazardous building materials?

The requirement to test for hazardous building materials during the drying process depends on the type of materials affected, the age of the structure and whether building materials need to be removed.  Our technicians are trained to order testing whenever there is a concern for possible hazardous containing materials like asbestos or lead. 

What happens if the affected building materials test positive for hazardous substances like Asbestos or Lead?

If we can dry the water damaged building materials in place, even if they are hazardous materials containing, we won’t have to remove them. The only time that a positive test for hazardous containing materials affects the drying process is if we have to remove building materials; it is when hazardous containing building materials are disturbed and particles aerosolized that they can become dangerous to building occupants if not handled property.  Premier Restoration Hawaii has an in-house, certified Abatement team (#C-31708) to provide that removal service and does not require hiring a third-party abatement contractor.

How do you know the drying process is completed?

Upon our initial inspection, our IICRC Certified Water Damage Restoration technicians will establish a dry standard for each building material that is affected. The dry standard is our drying goal for all affected or wet building materials.   

Throughout the drying process, we monitor building materials until they are sufficiently dried to the dry standard established in the initial inspection.

Something to note is that even if an area appears dry, it does not mean that it is dry.  Moisture can hide in wall cavities and areas out of sight.

Structural drying is a scientific process that requires professional water damage training and the use of specialized equipment to identify areas of elevated moisture and to dry the moisture that has affected your building to the established dry standard established upon initial inspection. 

Who is responsible for the bill?

The property owner

When will I be billed?

For emergency services, you will be billed upon completion of services rendered. For non-emergency services (ex. contents, remediation, reconstruction, abatement), per payment schedule on the contract provided (typically 50% deposit required).


*this is common knowledge based on our experience of the handling and processing of claims, if you require specific guidance regarding your policy, please contact your insurance agent or adjuster. Premier Restoration Hawaii is not licensed to interpret insurance policies in the State of Hawaii.