Terms of
Service
Zoom Dry Restoration — New Jersey & Staten Island, New York
The rules of doing business with us. Plain English. What we do, what we don't do, what we expect from you, and how we handle problems if they come up.
1. Acceptance of These Terms
By using zoomdryrestoration.com, calling us for service, signing a work authorization at the job site, or hiring us for restoration work, you agree to these Terms of Service. If you do not agree, please do not use our website or our services.
These Terms apply alongside our Privacy Policy and any work authorization, direction-of-payment form, or emergency authorization signed at the job site. Together they govern the relationship between you and Zoom Dry Water Damage Restoration. The work authorization signed at the job site contains specific cancellation rights and disclosures required by New Jersey and New York law and controls in any conflict with these Terms.
2. About Our Services
Zoom Dry Water Damage Restoration is part of the 1RP Family of Companies. Founded in 1997 and based in Staten Island, New York, we provide emergency restoration services for residential and commercial properties throughout our service area.
Our work follows industry standards including IICRC S500 (Standard for Professional Water Damage Restoration) and IICRC S520 (Standard for Professional Mold Remediation). Our lead estimator holds IICRC certification number 9099033.
Mitigation only. Zoom Dry provides emergency mitigation services: water extraction, structural drying, demolition of compromised materials, sewage cleanup, and mold remediation in New Jersey. We do not perform reconstruction or rebuild work such as drywall replacement, flooring, paint, or structural repair. If you require reconstruction following our mitigation, our affiliated company Anajur Construction Corp can provide those services under a separate contract with separate terms. Zoom Dry and Anajur are affiliated under common ownership but operate as separate legal entities with separate scopes of work.
3. Service Area
We provide services exclusively in the following areas:
- Staten Island, New York — all ZIP codes 10301 through 10314
- New Jersey — the seven counties of Union, Middlesex, Hudson, Essex, Bergen, Somerset, Morris, and Monmouth
We do not service areas outside this footprint. If your property is outside our service area, we will let you know and, when possible, refer you to a qualified contractor.
4. What We Do and Don't Do
Services we provide:
- Water damage restoration (New Jersey and Staten Island, New York)
- Flooded basement cleanup (New Jersey and Staten Island, New York)
- Sewage backup cleanup (New Jersey and Staten Island, New York)
- Emergency water removal (New Jersey and Staten Island, New York)
- Mold remediation (New Jersey only — not offered in Staten Island, New York)
Services we do not provide:
- Fire or smoke damage restoration
- Trauma or biohazard cleanup beyond standard sewage protocols
- Standalone storm damage (we address water-related storm damage as part of water damage restoration)
- Reconstruction services beyond mitigation (handled by our affiliated company Anajur Construction Corp under a separate scope)
- Public adjusting, insurance policy interpretation, or settlement negotiation (see Section 6)
5. Emergency Response Times
We target a typical emergency response of approximately 90 minutes from your initial call to crew arrival anywhere in our service area. This is a target, not a guaranteed delivery time.
Actual arrival may be delayed by circumstances beyond our reasonable control, including severe weather events, catastrophic regional flooding that creates simultaneous demand across our service area, traffic, road closures or impassable roadways, unsafe transit conditions, mechanical issues, or other factors we cannot foresee or prevent. We will give you our best estimated arrival time when you call. If we expect a significant delay, we will tell you and offer alternatives, including referrals if appropriate.
Disclaimer of secondary damages during dispatch and transit. Water damage progresses naturally during the time between your call and our arrival. To the fullest extent permitted by law, we disclaim liability for damages that result from the natural progression of water intrusion during the dispatch and transit window, including secondary water spread, swelling of materials, or the start of microbial growth that occurs before our crew arrives.
6. Insurance Claims and Direct Billing
Many of our jobs involve homeowners' insurance claims. As a courtesy and where you authorize it in writing, we work directly with insurance carriers and adjusters to scope, document, and bill the work. We accept direct billing from major carriers including New Jersey Manufacturers Insurance Company, State Farm, Allstate, Travelers, USAA, Liberty Mutual, Farmers, Nationwide, Progressive, Geico, Chubb, AAA, MetLife, and Erie.
You remain ultimately and personally responsible for the full amount of our services. If your insurance carrier denies the claim, applies depreciation, pays less than the estimate, or any uncovered amounts remain, you are responsible for the unpaid balance. This includes deductibles, depreciation, coverage limits, items the carrier excludes, and any portion of the work the carrier does not approve.
Assignment of Benefits. If you choose, you may execute a separate Assignment of Benefits authorizing your carrier to pay us directly. The Assignment of Benefits is a separate signed document, not part of these Terms. We will provide written notice of any executed Assignment of Benefits to your carrier. Verbal coordination with a field adjuster is not sufficient notice.
We are not licensed insurance advisors and we are not public adjusters. We do not interpret your insurance policy, advise on coverage, advocate against your carrier, negotiate settlement values, or argue bad faith. We document the damage with photographs, moisture readings, and Xactimate estimates. We communicate technical findings to your adjuster and answer technical questions about the scope of work. You are responsible for advocating your own insurance claim. If you need policy interpretation, settlement negotiation, or claim advocacy, contact your insurance agent or a licensed public adjuster.
Insurance carriers make coverage and payment decisions based on the terms of your policy. We do not control those decisions and we do not guarantee that your carrier will approve or pay any specific amount.
7. Estimates and Pricing
We prepare estimates using Xactimate software with the current New Jersey price list (NJTR8X). Estimates reflect our scope of work, anticipated equipment, labor, and materials based on what we observe during inspection and the data we collect during drying.
Final amounts may differ from initial estimates if conditions change during the work, additional damage is discovered, or scope is added or removed at your direction or your carrier's direction. We communicate scope changes before performing the additional work whenever practical. Material scope changes are documented in writing and require your acknowledgment to proceed.
8. Payment Terms
Payment terms depend on the type of job:
- Insurance claims: We bill the carrier directly when authorized. You are responsible for the deductible and any uncovered amounts upon completion.
- Out-of-pocket jobs: Payment terms are agreed in writing before work begins. We accept cash, credit card, and personal check.
- Late payments: Past-due amounts may accrue interest at the legal rate permitted under applicable state law.
- Disputes: If you believe a charge is incorrect, contact us within thirty days of the invoice date so we can review.
Advance deposits in New York. If we collect any payment from you in New York before substantial completion of the work, those funds may be subject to escrow or trust requirements under New York General Business Law Article 36-A. We typically avoid pre-work deposits by working with insurance carriers and collecting deductibles upon completion. If a deposit is necessary on a New York job, we will provide written disclosure of the applicable trust or escrow arrangement at that time.
9. Your Responsibilities
To allow us to do our job effectively and safely, you agree to:
- Provide accurate information about the loss event, the property, and any safety concerns
- Grant us access to the property during scheduled work times
- Notify us promptly of any concerns about the work
- Make timely decisions when we present scope changes or options
- Cooperate with your insurance carrier's documentation and inspection requirements
- Keep children, pets, and untrained adults out of active work areas for safety
- Disclose any known hazards before work begins, including asbestos, lead paint, mold not yet treated, biohazards, structural failures, or any prior incidents at the property. Failure to disclose known hazards is a material breach of these Terms and may result in scope renegotiation, work stoppage, or termination at our option.
10. Standard of Care and Workmanship Warranty
We perform our services in accordance with industry standards including IICRC S500 (Water Damage Restoration) and IICRC S520 (Mold Remediation). We document our work with daily drying logs, moisture readings, photographs, and psychrometric calculations as required by these standards.
Limited workmanship warranty. We warrant our workmanship against defects for one year from substantial completion. This is a workmanship warranty only and does not guarantee any specific outcome.
What we do not guarantee. Property restoration is affected by factors outside our scope and control. We do not guarantee complete elimination of mold growth, prevention of future mold or microbial activity, complete or permanent dryness in the presence of new moisture sources, prevention of secondary damage caused by hidden conditions, or resolution of pre-existing structural issues we did not cause. Mold remediation in particular reduces and remediates existing growth identified within the scope of work; it does not prevent future growth in the presence of new moisture sources outside the original scope.
Timelines. Drying times depend on the affected materials, the extent of saturation, ambient conditions, and access to the property. Restoration work can take longer than new construction because we are working with existing materials that must be assessed, dried, and verified to industry-standard moisture levels before next steps. We will give you our best timeline estimate based on initial inspection and update you as conditions evolve. Estimated timelines are good-faith projections, not guarantees.
All other warranties, express or implied, including warranties of merchantability or fitness for a particular purpose, are disclaimed to the fullest extent permitted by law.
11. Limitation of Liability
To the fullest extent permitted by applicable law, our total aggregate liability arising out of or relating to our services shall not exceed the total amount you actually paid to us for the specific project in question. Under no circumstances shall we be liable for indirect, incidental, consequential, special, punitive, or exemplary damages, including loss of use, loss of rental income, alternative housing costs, lost profits, or business interruption, even if advised of the possibility of such damages.
We are not liable for damage caused by pre-existing conditions, by delayed reporting of the loss event, by your insurance carrier's coverage decisions, or by acts of third parties outside our reasonable control.
Time limits on claims. Any claim against us must be brought within the applicable statute of limitations under New Jersey or New York law. New Jersey law caps construction-related claims at ten years from completion of work under its statute of repose for construction defects (N.J.S.A. 2A:14-1.1). We retain project records for at least ten years to support both sides of any claim within that window. This Section is not intended to shorten or extend any statutory time limit; it describes the outer limits within which claims may be brought.
12. Indemnification
You agree to indemnify and hold us harmless from claims, losses, or expenses arising from your breach of these Terms, your misrepresentation of material facts about the property or loss, your failure to disclose known hazards including asbestos, lead paint, mold not yet treated, or biohazards, and the actions of third parties you authorize to be on the property during our work.
This indemnification does not apply to claims arising from our gross negligence or willful misconduct. To the extent any provision of this Section would require you to indemnify us for our own gross negligence or willful misconduct, that portion is unenforceable under the anti-indemnity laws of New Jersey and New York and is severable from the remainder of this Section.
13. Dispute Resolution
We try to resolve disputes informally first. If you have a concern about our services or these Terms, contact us using the information at the bottom of this page. We will respond and work in good faith to find a solution.
Governing law. These Terms are governed by the laws of the state in which the property serviced is located — either New York or New Jersey — without regard to conflict of law principles.
Venue. Any legal action arising from these Terms may be brought in a court of competent jurisdiction in the county where the work was performed: Richmond County for New York jobs, or the specific New Jersey county where the work was performed for New Jersey jobs. Both parties consent to personal jurisdiction in those courts. Either party retains the right to bring an action in small claims court if the claim is within that court's jurisdictional limits.
Class action waiver. You agree that any dispute resolution proceedings between you and Zoom Dry will be conducted exclusively on an individual basis and not in a class, consolidated, or representative action. By accepting these Terms, you waive your right to participate in any class action, mass action, or representative proceeding against Zoom Dry. This class action waiver is enforceable as a standalone provision and is severable from any other dispute resolution mechanism in these Terms.
Nothing in these Terms requires you to waive any substantive right under the New Jersey Consumer Fraud Act or any other state or federal consumer protection law, and nothing prevents you from filing a complaint with any government agency including the New Jersey Division of Consumer Affairs or the New York Attorney General.
14. Intellectual Property and Photo Rights
All content on zoomdryrestoration.com — including text, graphics, logos, photographs, and the underlying code — is owned by Zoom Dry or licensed to us. You may not reproduce, distribute, or create derivative works without our written permission.
Project photographs. When we document a job site, we take photographs and moisture readings as part of our scope of work. You grant Zoom Dry a non-exclusive, royalty-free license to use these photographs and documentation for: (a) insurance claim documentation, (b) internal training and quality control, and (c) anonymized marketing and case studies.
Anonymization commitment. Before any photograph appears in public-facing marketing or case studies, we remove personally identifiable information including faces, house numbers, exact addresses, and embedded location metadata (EXIF data).
Opt-out option. If you prefer that no photographs of your property be used in marketing, tell us in writing and we will respect that preference. Photographs we have already used in published materials may not be retrievable; the opt-out applies prospectively.
15. Third-Party Links and Services
Our website may contain links to third-party websites and services, and we use third-party tools including Thumbtack, Google services, Cloudflare, and Zapier. We do not control these external sites or services and we do not endorse their content or practices. Their terms and privacy policies apply when you interact with them.
Thumbtack. If you contact us through the Thumbtack platform, that platform's terms govern your use of Thumbtack itself. These Terms govern your relationship with Zoom Dry directly. Information you submit through Thumbtack is governed by Thumbtack's privacy policy until it is transferred into our systems, at which point our Privacy Policy applies.
16. Changes to These Terms
We may update these Terms from time to time. When we make material changes, we will update the effective date at the top of this page and post a banner notice on this page for at least thirty days. Your continued use of our website or services after the effective date means you accept the updated Terms. Material changes do not apply retroactively to work already performed under prior Terms.
17. Termination and Refusal of Service
We may terminate work in progress for cause. Reasons include unsafe conditions discovered at the property, customer misrepresentation about insurance coverage or property conditions, non-payment of agreed amounts, abusive or threatening conduct toward our crew, or circumstances that make it impractical or inadvisable to continue.
Hidden hazards procedure. If our crew discovers hazards during work that were not disclosed and not visible at initial inspection — including asbestos, lead paint, friable insulation, biohazards, or structural failures — we may stop work immediately and notify you in writing. Continued work requires scope renegotiation and may require specialized abatement contractors. Continuing without abatement of identified hazards is at your own risk and you indemnify us for any resulting third-party claims.
Equipment recovery. We retain the right to remove our drying equipment, dehumidifiers, air movers, and other property at any time after termination. Refusing to permit equipment removal may result in additional charges and is a material breach of these Terms.
Customer cancellation. Your statutory right to cancel a home improvement contract is described in the work authorization signed at the job site, which contains the specific cancellation notice required by New Jersey or New York law. You may cancel scheduled work at any time before it begins. Once work is in progress, cancellation may result in charges for time, materials, and equipment already committed to the job, recoverable as the reasonable value of services performed (sometimes called "quantum meruit"). Cancellation terms for insurance claim work are coordinated with your carrier.
Customers age 60 and older, customers with disabilities, and customers who do not read English well. If you fall into one of these categories, or if at any time during our service you feel you do not fully understand a document we ask you to sign, tell us. We will pause, explain the document in plain language or arrange translation, and give you additional time to review before proceeding. We will not pressure you to sign or to waive any cancellation right. If you have a family member or trusted advisor you would like to consult, we will accommodate that request to the extent emergency conditions allow.
18. Severability and Entire Agreement
If any provision of these Terms is found unenforceable, the remaining provisions stay in effect. The unenforceable provision will be replaced with one that comes closest to the original intent and is enforceable.
Consumer protection laws prevail. Nothing in these Terms is intended to limit, waive, or override any non-waivable consumer protection right under the New Jersey Consumer Fraud Act, the New York General Business Law, or any other applicable state or federal consumer protection statute. If any provision is found to operate as such a waiver, that provision is unenforceable and severable, and the remaining Terms continue in full effect.
Assignment of Benefits severability. If any Assignment of Benefits provision is held unenforceable in any jurisdiction, including by future legislation or regulatory change, your underlying obligation to pay for our services as described in these Terms remains in full effect.
These Terms of Service, together with our Privacy Policy and any signed work authorization, direction-of-payment form, or emergency authorization, form the entire agreement between you and Zoom Dry concerning our services. They supersede any prior or contemporaneous oral or written communications. In any conflict between these Terms and a signed work authorization, the work authorization controls.
19. Contact Us
For questions about these Terms or to raise a concern, contact us:
- Email: [email protected]
- Phone (New Jersey): (732) 737-8473
- Phone (Staten Island, New York): (718) 924-2043
- Mail: Zoom Dry Restoration, Staten Island, New York 10309
- NJHIC#: [TO BE PROVIDED]
New Jersey Division of Consumer Affairs. You may verify our New Jersey home improvement contractor registration or file a complaint with the New Jersey Division of Consumer Affairs at 1-973-504-6200 or via njconsumeraffairs.gov.
Effective Date: April 26, 2026 · Last Updated: April 26, 2026
Need Emergency Restoration Now?
We are available 24 hours a day, 7 days a week. Ninety-minute response anywhere in our service area.