Written for this housing stock and this climate. Mostly about how to avoid needing us.
Lake-effect snow load melts against a warm roof deck, refreezes at the cold eave, and backs water up under the shingles. By the time you see a stained bedroom ceiling in February, water has been in the wall for weeks. Why heat cables are usually the wrong answer, and what to do instead.
Read the guide →The three failure modes we see every March, and why a battery backup is the cheapest insurance a finished basement can have.
An honest line between the spill you can handle yourself and the one that needs meters. Box fans move humidity around; they don't dry a structure.
The five pipe runs that split first in this housing stock, what to insulate before December, and the shut-off you should be able to find in the dark.
Almost always an uncorrected moisture source: bare crawl space soil, a bath fan venting into the attic, or grading that sends water at the foundation.
Soot is acidic and abrasive. A household cleaner and a cloth drives it into the surface and can set the stain permanently. What to do in the first day instead.
Where the shut-offs are, who can authorise work after hours, and why that one page is the difference between a two-day closure and a two-week one.
What's covered, what's excluded, what an adjuster needs from you, and the five mistakes that quietly reduce payouts.
Read the guide → CLAIMS · 4 MIN READSewer and sump failure isn't covered by a standard policy. In a county with clay laterals and finished basements, that's the loss we're called for most.
Read the guide →Ask a dispatcher. It's free, there's no pitch, and if the answer is that you don't need us, that's the answer you'll get.