INSURANCE-PREFERRED CONTRACTOR
DH Construction specializes in rebuilding what water destroys: framing, flooring, drywall, cabinetry, insulation, and mechanical systems. We’re an insurance-preferred contractor, and we’ve been doing this for more than 34 years across Sacramento, Chico, and the Sparks/Tahoe area.
REACH OUR COMMERCIAL TEAM
Ask specifically for a commercial project manager when you call.
Available 24/7 for emergency response only in the Sacramento area.
Water Damage Restoration
Water damage reconstruction covers the full range of loss types, from sudden acute events to long-term moisture intrusion:
In the first 24 hours, water migrates rapidly through porous materials like drywall, absorbs moisture, wood framing swells, and flooring begins to buckle. Insulation becomes saturated and loses all thermal value. By 48-72 hours, mold risk is elevated. Within a week, structural materials that could have been dried in place may need full replacement.
The scope of reconstruction is directly tied to how quickly mitigation began and how thoroughly the structure was dried. DH Construction works from the mitigation company’s drying logs and moisture mapping to build an accurate reconstruction scope that captures both the visible damage and the affected systems behind walls and under floors.
Water damage is one of the most frequently disputed insurance claim categories. Adjusters often undercount affected materials, miss secondary damage behind walls, and overlook code-required upgrades. As an insurance-preferred contractor, DH Construction’s estimators know what insurers expect in a properly documented claim and how to supplement when the initial scope falls short.
We use Xactimate throughout the reconstruction process so our scopes align with industry standards. When supplements are needed for hidden damage revealed during demolition, for code upgrades, or for materials that require full replacement rather than repair, we handle the documentation and adjuster communication so you’re not left negotiating on your own.
DH Construction is a longtime industry-leading reconstruction contractor, trusted by your insurance carriers serving Sacramento, Chico, and Sparks/Reno. We prepare the scope, handle the supplements, and manage the adjuster communication from start to finish.
The differentiators that matter to homeowners, property managers, risk managers, and commercial adjusters.
Carpenters, electricians, plumbers, and finishers on staff, not subcontracted. Faster mobilization, better quality control, single accountability.
Active project volume means experienced crews and established carrier relationships across all major commercial markets.
Dedicated project management protocols for high-dollar, multi-system, or multi-tenant events.
Estimates prepared in the format carriers require, with proper commercial pricing and code upgrade documentation.
HOW WE WORK
A structured, transparent process designed for homeowners & property managers and their insurance carriers.
1
We work in conjunction with other companies who collect drying logs, moisture maps, and photo documentation from the mitigation phase before scoping reconstruction.
2
A trained estimator walks the property with your adjuster or independently documents all affected materials, systems, and finishes.
3
Mold presence documented, scoped, and remediated before reconstruction begins.
4
Damaged framing, subfloor, and sheathing replaced to pre-loss or code-compliant condition. All systems inspected and repaired or replaced as needed.
5
Insulation, drywall, paint, flooring, cabinetry, and trim restored to match pre-loss condition.
6
All work reviewed against the approved scope before project close.
Mitigation is the emergency phase. That is where you should focus on stopping the water source, extracting standing water, and drying the structure. Reconstruction is what comes after: replacing damaged drywall, flooring, insulation, cabinetry, and structural materials once everything is dry and documented.
It depends on the source. Sudden and accidental water losses are typically covered under standard homeowner’s policies. Gradual, long-term, and maintenance-related damage is generally excluded. Flood damage from external water (rising rivers, storm surge) requires separate flood insurance through the NFIP or a private carrier. DH Construction is a longtime industry leader and can help you understand what your policy is likely to cover once we’ve assessed the loss.
Mold can begin growing on wet materials within 24-72 hours in warm, humid conditions. This is why rapid drying and documentation are critical. If your home has been wet for more than a few days before reconstruction begins, our estimators will assess for mold presence and can help determine the remediation scope, then facilitate the repairs once remediation is complete.
Yes. Category 3 (contaminated water) losses from sewage backups, flooding, or overflow require specialized handling. Affected materials are often non-salvageable and must be removed rather than dried.
WHERE WE SERVE
Call us to reach our team from any service area. For large-loss inquiries, ask specifically for our commercial project manager.
TALK TO A SPECIALIST
For large-loss inquiries, business interruption events, or multi-tenant losses, ask specifically for a commercial project manager when you call.
CALIFORNIA
Sacramento County and the greater Capital Region, including Elk Grove, Roseville, Folsom, and West Sacramento.
CALIFORNIA
Butte County commercial reconstruction, including retail, multi-family, and institutional properties.
NEVADA
Washoe County commercial reconstruction, including the Reno-Sparks metro commercial corridor.