What Our Water Damage Insurance Claim Estimate Includes
Water claims are often split between mitigation and rebuild, and both need to hold up to carrier review. We document the water category and class, extraction, drying equipment and run-times, flood cuts and antimicrobial treatment, then scope the full put-back of drywall, insulation, flooring, trim and finishes.
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 |
|---|---|
| Room-by-room sketch | Affected rooms with wet areas, flood-cut heights and ceiling heights |
| Mitigation | Water category and class, extraction, drying equipment and daily run-times |
| Demolition | Flood cuts, wet insulation, flooring and baseboard removal |
| Treatment | Antimicrobial application and, where needed, mold remediation items |
| Put-back | Drywall, insulation, flooring, trim, paint and finishes replaced |
| 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.
Water Damage Claim Estimate Samples: Common Questions
Quick answers before you send us your claim files.
Do you follow IICRC S500 in water damage estimates?
Yes. Mitigation line items follow IICRC S500 for water category, class and drying. That gives the adjuster a clear, standards-based reason for each drying and demolition item.
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.