What Our Flood Damage Insurance Claim Estimate Includes
Rising-water losses are scoped from the waterline, and flood policies treat building and contents separately. We measure the waterline in each room, scope mud-out, Category 3 cleanup and flood cuts, and keep building and contents line items apart, with the measurements and photo references needed to support the claim and proof of loss.
Every estimate is written and checked by an experienced human estimator in Xactimate, priced to the current price list for the loss location, and delivered as an ESX file with a PDF report. See all our Xactimate estimating services.
What You Get in the Estimate Package
A typical package is organized like this. We adjust it to the loss, the carrier and your company format.
| Section or Item | What It Shows |
|---|---|
| Waterline sketch | Each room drawn with the measured waterline height |
| Cleanup | Mud-out, Category 3 cleaning and sanitizing |
| Demolition | Flood cuts, insulation, flooring and cabinet removal to the waterline |
| Building items | Drywall, insulation, flooring, cabinets, doors and finishes replaced |
| Contents items | Contents listed separately from building items |
| Files | ESX file for your Xactimate plus a branded PDF report and photo references |
Want to See a Complete Estimate?
Our estimates belong to our clients, so we share full samples privately rather than posting them online. Tell us the type of loss and we will email a relevant sample estimate.
Flood Damage Claim Estimate Samples: Common Questions
Quick answers before you send us your claim files.
Do you separate building and contents in flood estimates?
Yes. Building and contents line items are kept separate in every flood estimate. Flood policies cover them under different limits, so a clean split makes the claim easier to review.
Can I see a full sample estimate?
Yes. Tell us the type of loss and we will email a relevant sample estimate. We share samples privately because the estimates belong to our clients.
Are the estimates prepared by AI or human estimators?
Our estimates are written and reviewed by experienced human estimators. We use Xactimate to work efficiently, and every line item is checked against your photos, measurements and notes before delivery.
Which files will I receive?
An ESX file that opens in your Xactimate, plus a PDF report. You can review, edit and submit the estimate under your own company profile.
Send Your Photos and Measurements Today
Tell us about the loss and your deadline. We will reply with a scope, a price and a delivery date.