Water Damage Restoration Cost Calculator
Last updated: October 15, 2026
Estimate water-damage restoration cost from affected area, extraction, drying, demolition, mold treatment, reconstruction and insurance assumptions.
Starting figures illustrate this model. Enter your own measurements, quoted costs and applicable terms; this page does not retrieve live prices or provider rates.
Estimated homeowner out-of-pocket cost
—
- Estimated gross restoration cost: —
- Estimated insurer-paid amount: —
- Extraction, drying and demolition: —
- Reconstruction and mold treatment: —
On this page
Quick summary: Estimate water-damage restoration cost from affected area, extraction, drying, demolition, mold treatment, reconstruction and insurance assumptions.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate water-damage restoration cost from affected area, extraction, drying, demolition, mold treatment, reconstruction and insurance assumptions.
How to use it
Enter Affected area (sq ft); Extraction and cleanup per sq ft ($); Drying equipment days; Drying and monitoring per day ($); Demolition and disposal per sq ft ($); Mold prevention or remediation ($); Reconstruction and finishes ($); Estimated insurance-covered percentage (%); Insurance deductible ($). Select Calculate to update the results.
How the calculation works
Area-based extraction and demolition, drying equipment, mold treatment and reconstruction are combined. Entered coverage percentage and deductible estimate insurer payment and owner cost.
Worked example: starting scenario
| Affected area (sq ft) | 900 |
|---|---|
| Extraction and cleanup per sq ft ($) | 3.5 |
| Drying equipment days | 4 |
| Drying and monitoring per day ($) | 850 |
| Demolition and disposal per sq ft ($) | 4 |
| Mold prevention or remediation ($) | 1800 |
| Reconstruction and finishes ($) | 18000 |
| Estimated insurance-covered percentage (%) | 70 |
| Insurance deductible ($) | 2500 |
| Estimated homeowner out-of-pocket cost | $11,485.00 |
|---|---|
| Estimated gross restoration cost | $29,950.00 |
| Estimated insurer-paid amount | $18,465.00 |
| Extraction, drying and demolition | $10,150.00 |
| Reconstruction and mold treatment | $19,800.00 |
Important limitations
Source category, contamination, hidden moisture, emergency rates, policy exclusions, limits, depreciation, adjuster decisions and rebuilding scope can change outcomes.