Water damage repair after the insurance check: how to choose the right contractor

The water is gone, the walls are open and the check came. Here is how to spot the contractor who will put your home back the right way.

  • Free to post
  • Only verified pros bid
  • No obligation
Related requests

How it works

  1. 1
    Post your job free

    Tell us what needs doing. Add photos and a budget if you like.

  2. 2
    Verified pros bid

    Only pros we approve can send you a price.

  3. 3
    Compare and hire

    Message pros, compare bids and pick the one you like.

You are standing in your own house looking at bare studs. The water is gone, the wet drywall is cut out, the kitchen cabinets are out on the curb, and the insurance check finally came. Now comes the part that decides how your home turns out: drywall throughout the house, a new kitchen and paint. Here is what the good contractors do differently, so you can spot one.

Still drying out? Start with water damage restoration: the first 48 hours, then come back for the rebuild.

1. The good ones know insurance

A contractor who rebuilds after water damage every week knows how insurance claims work and explains it in plain words:

  • They read your insurance estimate with you and explain what is covered and what would be an upgrade
  • They walk the house with your adjuster if you like
  • When they open a wall and find more damage, they photograph it and send an updated estimate for your insurance company to review
Tip: The first check is often not the whole claim. Keep every photo, and ask your insurance company how they handle damage found during the repairs. If your lender is on the check, call them early: lenders usually release the money in stages.

2. The good ones bid line by line

Give every contractor a copy of your insurance estimate and ask them to bid the same rooms and lines, with any upgrades listed separately. Then the bids line up and nothing gets left out.

LineWhat it should say
DrywallEach room: hang, tape, texture to match, prime
InsulationNew insulation wherever it got wet
KitchenCabinets, counters, sink, backsplash, reconnecting appliances
PaintWhole rooms and ceilings, colors listed
Floors and trimFlooring, baseboards and door trim
CleanupDebris removal, dust control, final clean

3. The good ones show you, not just tell you

Once drywall goes up, nobody sees the framing again. That is why the good ones show you before they close a wall:

  • Moisture readings that show the studs and floor are dry
  • Photos of every open wall, with the new insulation in place
  • Moisture- and mold-resistant drywall in bathrooms, the laundry and other wet spots
  • Photos of any hidden damage before it is added to the job

4. The good ones finish right

The order keeps finished work from being damaged by the next trade:

  1. Dry check and any framing repairs
  2. Insulation, then drywall: hang, tape, texture and prime
  3. Kitchen cabinets and counters
  4. Paint, whole rooms corner to corner, so the colors match
  5. Flooring, baseboards and trim
  6. Final walk-through and punch list

Pay as each stage is finished, with the last payment after the walk-through, and ask for a lien release with each payment.

Signs of a good water damage repair contractor

  • Licensed where your state requires it, insured, and glad to show you
  • Has rebuilt after water damage before and can show photos of those jobs
  • Explains your insurance estimate in plain words
  • Puts the scope, the schedule and the payments in writing
  • Answers calls and messages, and tells you about problems the same day
  • Protects what is left (floors, furniture) and keeps the site clean
  • Shows you instead of telling you: photos, readings and samples

What to expect

Drywall throughout a house means dust, even with good dust control, and drywall needs drying time between coats. New kitchen cabinets can take weeks to arrive, so ask about ordering them early. Most of the house comes back together in the last few weeks, when paint, floors and trim go in.

Get water damage repair bids on BidHandyman

Post your repairs once with photos and your insurance estimate, and local pros send you bids. Only pros approved by BidHandyman can bid. Compare them line by line, message the pros and hire the one you trust, with no obligation. Request repair bids, or read drywall repair and kitchen remodel tips.

Questions

Is it free to post a job?

Yes. Posting a job on BidHandyman is free for homeowners, and there is no obligation to hire anyone.

Who can bid on my job?

Only pros approved by BidHandyman can send bids. Each pro has a profile you can check before you hire.

How do I choose a pro?

Compare the bids side by side, message the pros with any questions, and hire the one you like.

How do I choose a contractor for water damage repair?

Choose one who knows insurance and will walk the house with your adjuster, bids line by line against your insurance estimate, shows you moisture readings and photos before the walls are closed, and finishes in order: drywall, then the kitchen, then paint whole rooms.

Is the first insurance check the full amount?

Not always. The first check often covers the damage the adjuster saw first. If more damage turns up once the work starts, your contractor can send photos and an updated estimate for your insurance company to review. Ask your insurance company how they handle it.

Why is my mortgage company on the check?

If you have a mortgage, the check is often made out to you and your lender, because the house secures the loan. Lenders usually release the money in stages as the repairs are done, so call your lender early to keep the work moving.

What should a water damage repair bid include?

Each room with its drywall, insulation, texture, baseboards, paint and flooring; the kitchen cabinets and counters if they were damaged; debris removal and cleanup; and a schedule. A good bid follows the same rooms and lines as your insurance estimate.

Does wet drywall have to be replaced?

Drywall that soaked up water, swelled or smells musty is usually cut out and replaced, along with wet insulation. The framing behind it should be checked with a moisture meter and dry before new drywall goes up.

Why paint whole rooms instead of only the new walls?

New paint on part of a room rarely matches the old paint exactly. Painting the whole room, corner to corner, gives one even color.

How should I pay the contractor?

Pay as each stage is finished, for example after drywall, after the kitchen and after paint, with the last payment after the final walk-through. Ask for a lien release with each payment.