Updated 2026-08-07 · Reset Water Damage Team
Sudden water damage (usually homeowners)
Burst pipes, failed supply lines, water heater ruptures, and storm rain entering through a hail-damaged roof are typically sudden-and-accidental losses under standard homeowners policies. Fast mitigation and documentation protect the claim.
Flood (usually separate policy)
Rising groundwater, creek overflow, and surface water that enters from outside ground level often require NFIP or private flood insurance. Boulder County’s creek corridors make this distinction critical after major storm events.
Why source documentation matters
Adjusters decide coverage partly from the water’s origin. IICRC-aligned partners photograph the source, classify category, and log moisture readings so Longmont and Boulder homeowners are not left arguing from memory days later.
What to do while coverage is sorted
Mitigate immediately. Call (720) 727-1129, extract standing water, start drying, and notify your carrier. Waiting for a coverage debate while water sits increases mold risk and total repair cost regardless of which policy eventually pays.
Front Range Service Areas
Frequently Asked Questions
Does homeowners insurance cover a Longmont basement flooded by a burst pipe?
Usually yes if the loss was sudden and accidental. A basement filled by rising creek or groundwater is more likely a flood claim. Document the source the day of the loss.
Can Reset Water Damage help with insurance documentation?
Yes. Local partners provide photos, moisture maps, and drying logs commonly used with adjusters. Call (720) 727-1129 for a free damage assessment in Boulder County.