Dearborn particulars
Dearborn gives the arithmetic of its floods: the city says its sewer system was built to accommodate three inches of rainfall within 24 hours, and that storms dropped about 5.8 inches in 2014 and 7.5 inches in 2021, causing catastrophic floods. After the June 2021 flood the Economic Development Department received about $27 million in federal housing-department disaster recovery funds, and the projects it lists include rain gardens and flood kits.
The city's page also lists FEMA floodplain guidance and FEMA's number, 1-877-336-2627. To report a sewer backup, call 311 or 313-943-2150. The city sends an inspector who decides if the repair is the city's or the owner's, and after hours Police Department dispatch at 313-943-2100 reaches the Water and Sewerage Division, which gives around-the-clock service for backups and flooding. That inspection is the starting point for the 45-day written notice if you intend to claim against the city.
Dearborn has 107,846 residents, 84.0 percent of homes predate 1980 and the median value is $205,900. Wayne County was named in DR-4607. Building and trade permits run through the Economic Development Department at 16901 Michigan Ave, per a mix of the city's pages and our earlier notes, so confirm the phone. Melvindale and Allen Park are next door.
Water damage in Dearborn: what to know
The city's own page says storms dropped about 5.8 inches in 2014 and 7.5 inches in 2021 against a sewer built for three inches in 24 hours. That is the background to a backup, and the number to call is 311 or 313-943-2150, where an inspector decides if the repair is the city's or the owner's. Building and trade permits run through the Economic Development Department. Confirm its phone, since our sources differ.
If the water came from a failed pipe in the house, the city's inspector is not needed, and the restoration crew is the first call.
Dearborn's recovery projects included flood kits and rain gardens funded after 2021. Those are city programs, separate from your insurance claim, and they do not replace the photographs and receipts your insurer will ask for.
Permits for water damage in Dearborn
Water damage restoration is not one of the crafts in Michigan's residential maintenance and alteration license (MCL 339.2404), so we found no state license for the drying itself.
Many cities run their own building department, so start by asking the City of Dearborn building department who issues restoration permits.
When water damage cannot wait
- Water is still coming in or standing in rooms.
- Water is near outlets, the panel, a furnace or an appliance.
- Sewage is involved, or you cannot tell where the water came from.
- A ceiling is sagging, a wall is bulging, or the house smells musty after two days.
- A stain from an old leak that has been dry for some time, with no soft or musty material. Photograph it for your insurer first.
- A dry cosmetic repair after the insurer has inspected.
Your first hour, in order
Try this first: photograph the water line on the wall before pumping, then call your insurer.
- If you smell gas or see smoke, leave and call 911, then call your gas utility from outside. DTE is (800) 947-5000 and Consumers Energy is 800-477-5050.
- Stay off wet electrical equipment, and do not stand in water to reach the panel. Turn off power to the wet area only if it is safe.
- Stop the water at the source if you can, and move small valuables and electronics out of the wet area.
- Before you clean, photograph and film the damage and list the wet belongings. Hold on to damaged items until the insurer says otherwise.
- Call your insurer, say you have water damage and ask what coverage is available, and keep notes of every call.
- After that, request a company on the form and keep your receipts.
What water damage costs
The estimate below is the Michigan-wide one, adjusted for Michigan wages and not for Dearborn in particular. The same table is on the water damage page. How we estimate costs. Prices as of Oct 19, 2026.
| Item | Figure | What it is |
|---|---|---|
| Estimated range, not a quote | $1,225 to $5,350 per job | Built from 3 national published ranges, adjusted by the Michigan hazardous materials removal worker median wage ratio (0.94). No Michigan restoration company price is shown, because none of the companies we looked at published a price we could count. |
| Hazardous materials removal worker wage, Michigan median | $22.30 an hour (middle half of workers: $19.66 to $26.65) | What the nearest federal occupation is paid (BLS May 2025, read through O*NET OnLine), not what you are charged. BLS has no water or fire restoration occupation. |
| Same occupation, Detroit-Warren-Dearborn median | $22.30 an hour (middle half: $19.83 to $27.17) | Pay, not price. Mapping to restoration crews is our inference. |
| Same occupation, Grand Rapids-Wyoming-Kentwood median | $21.82 an hour (middle half: $19.66 to $27.50) | Pay, not price. |
| Insurer water damage and freezing claims, national average paid | $15,400 per claim; 1.50 claims per 100 insured homes | Insurance Information Institute, ISO data 2019 to 2023. National, not Michigan. The category includes mold damage if covered. |
How we estimate costs: the Estimated range row is a model, not a quote. It takes 3 published national ranges for this job (cost guides from third-party sites that we have not verified and do not cite) and multiplies them by Michigan's hazardous materials removal worker median wage ratio to the US (0.94, BLS May 2025 data read through O*NET OnLine), the nearest federal occupation to a restoration crew. The wage rows in the table are what that occupation is paid, which is not a price. Restoration is priced from measured damage and equipment and is often paid by an insurer, so a real quote can land outside the range. We have not collected quotes, and we found no Michigan restoration company that publishes a price we could count. Full method.
Questions about water damage
What is the difference between mitigation and restoration?
Mitigation stops further damage, and restoration puts the home back. DIFS says most policies require reasonable steps to prevent further damage, which is the mitigation part, and permanent repairs wait until the insurer has inspected or says to proceed.
How long does it take to dry out walls after water damage?
No source we can cite states a drying time, so we cannot give one. EPA's 24 to 48 hours is the window to dry water-damaged areas and items to prevent mold growth, not the time drying takes. Ask the company for a drying log that shows moisture readings on each visit.
How do I get insurance to pay for water damage in Michigan?
Report it promptly, say you have water damage, document everything, and keep receipts. DIFS says to notify your insurer as soon as possible, take reasonable steps to limit the loss, cooperate as the policy requires, and give an inventory of damaged belongings. If the insurer is slow, DIFS takes complaints at 877-999-6442.