Restoration Costs Split Between 40-60 Percent Coverage and Your Deductible Responsibility
Insurance typically covers 40 to 60 percent of water damage restoration costs when the loss is sudden and accidental, but the final payout depends directly on pricing tiers set by scope, square-footage, equipment-day rates, and labor costs. Low-tier jobs (extraction only, under 500 square feet) run $500–$1,500; mid-tier structural drying spans $1,000–$3,000 per room; high-tier full restoration with flooring replacement reaches $3,000–$15,000 or more. Your policy limits and