Water damage cost & insurance calculator
Estimate what restoration will cost in your state, whether your insurance likely covers it, and if filing a claim is even worth your deductible.
Your situation
Estimated restoration cost
$1,200–$2,000
Category 1 — Clean water · ~200 sq ft · TX cost index 0.98×. Most restoration is billed to insurance — you often pay only your deductible.
Insurance coverage
Sudden & accidental — likely covered
Standard homeowners insurance typically covers sudden, accidental internal water damage like this.
Should you file a claim?
Borderline — get an inspection first
The estimate is close to your deductible. A free inspection will tell you if filing makes sense.
Estimates use IICRC cost bands adjusted for your state and materials. Actual cost depends on inspection. Not insurance advice.