Storm-damaged Long Island roof being tarped for an insurance claim

Water inside a Smithtown house after a storm has a clock on it. Mould can start on wet sheetrock and insulation within a day or two, and a house that sits wet while it waits for an adjuster becomes a mould job on top of a storm job. Alec's Construction gets the wet material out, the drying equipment in and the moisture metered, then rebuilds to the agreed scope, working out of the yard on Barton Avenue in East Patchogue. If there is water in the house now, call rather than fill in the form.

What a Storm Does in Smithtown

Smithtown is a North Shore town of hills, hollows and very big trees. The Nissequogue River runs up through the middle of it to Smithtown Bay on Long Island Sound, and a hurricane from the northeast pushes Sound water up the river and its marshes, but the residential damage in Smithtown is overwhelmingly trees: the town's 1960s–70s colonials and splits sit under mature oaks and tulip trees that come down whole in saturated ground when the wind turns after the eye passes. The hilly streets around the river and along the ridge north of Route 25 take the wind hardest, and the long service drops through the trees mean Smithtown is dark for days after a storm that barely touches the South Shore. Roofs here take limbs and whole crowns, not just lifted shingles.

Water From the Roof Down

Inland here the water comes from above: a tree through the roof, shingles gone from the ridge, and a day of rain running into the attic insulation and down through two floors of ceilings before anyone can get a tarp on. The attic insulation is the sponge; it comes out first, and the ceilings under it are usually a loss.

Two Kinds of Water, Two Claims

Water that came down — through a roof the wind opened, around a window it broke, behind siding it peeled — is wind-driven rain and a homeowners claim. Water that came up — from the bay, a canal, a creek, the ground — is flood, excluded from the homeowners policy and covered only by a separate flood policy. Most storm-damaged houses have some of both, and the two have to be documented separately from the first visit or the claims fight each other. We keep them separate on the scope.

What Comes Out

Wet carpet and pad. Insulation that took water, all of it. Sheetrock cut back above the water line to the next joint. Laminate and engineered floors that swelled. Cabinet boxes that sat in water. Soaked contents that cannot be cleaned. Everything photographed in place, photographed as it comes out, and kept where the adjuster can see it. Emergency mitigation is expected of you under the policy; it does not wait for the adjuster.

Drying Is Measured, Not Guessed

Commercial dehumidifiers and air movers, moisture readings on the framing every day, and nothing closed up until the numbers say dry. Where the water was salt — surge from the bay or a canal — the rules change: electrical that went under is replaced, not dried, and the framing gets washed down before it is dried, because salt keeps pulling moisture out of the air for years.

Long Island waterfront street after a coastal storm

The Rebuild

Insulation, sheetrock, trim, floors, cabinets, paint, and the electrical or mechanical that had to be replaced, on one scope with the cleanup. Where the water came in through the roof or the siding, the cause is fixed first so the new work does not get wet again.

Building Department in Smithtown

Smithtown files with the Town of Smithtown. Emergency work to make the house safe and dry does not wait for a permit; the permanent repair is filed once the scope is agreed.

Free walkthrough in Smithtown. Call or text (631) 312-7441. Tell us whether the roof is open, whether a tree is on the structure and whether there is water inside, and we bring the right equipment on the first trip.

Frequently Asked Questions

A whole oak came down across our Smithtown house. What happens first?

First, nobody goes in until we have looked at what the tree is resting on. A large oak on a roof can be holding the roof up as much as crushing it, and cutting the wrong section first drops the load. We assess the structure, tarp what we can reach safely, and coordinate the tree removal so the roof is supported as the weight comes off. Then the structural repair — rafters, ridge, sometimes the wall — is documented and scoped for the claim before the rebuild.

How long before mould starts after storm water gets in?

A day or two on wet building material, faster in a warm closed house. That is why the wet material comes out and the drying starts immediately rather than after the adjuster's visit. Photographs of what was removed protect the claim; leaving it in place grows mould and makes the claim worse.

Is the flooding covered by my homeowners policy?

Water that rose from the bay, a canal, a creek or the ground is flood damage, and a standard homeowners policy excludes it; it is covered only by a separate flood policy. Rain that came in through wind damage to the roof or siding is a homeowners claim. Where a house has both, they are documented separately from the first visit.

Can you pump out my basement today?

Where we can reach you, yes, once the water outside has gone down. Pumping a basement while the ground around it is still saturated can push the walls in. After that the wet material comes out and the drying starts the same visit.

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Work With Alec's Construction

This guide is written by the crew that does the work. See Alec's Hurricane & Storm Damage Repair service — fallen trees, flooding, roof and siding damage, cleanup and the rebuild. Licensed and insured on Long Island, one crew start to finish, free walkthrough and a written estimate inside 48 hours.

Booking the cold months now: we also handle Roofing and Storm Damage & Insurance Restoration.

Get a Free Estimate from Alec's Construction

Licensed and insured, working across Nassau and Suffolk County since 2018. We come out, look at the actual job, and put a written number in your hand — no pressure, no obligation.

Or call (631) 312-7441

No cost, no obligation. We reply the same day.