Free template · for restoration contractors
Water Damage Estimate Template
A water damage estimate is a line-item scope sheet — extraction, air movers and dehumidifiers priced per day, antimicrobial, moisture monitoring, and material removal — tied to the IICRC water category and the homeowner’s deductible. Use the print-friendly sample below as a starting point, then scope, document, and bill the real job in RestorationPro.
Water Damage Restoration Estimate
Mitigation & structural drying scope
Estimate #: EST-2026-0148
Date of loss: ____ / ____ / ____
Date prepared: ____ / ____ / ____
Property / Insured
[ Homeowner name ]
[ Loss address ]
[ City, ST ZIP ]
Carrier / Claim
Carrier: [ Insurance carrier ]
Claim #: [ __________ ]
Adjuster: [ __________ ]
Loss classification
IICRC category: 2 — grey water
Class of saturation: 2
Source: [ supply line / overflow ]
| Code | Description | Qty | Unit | Rate | Amount |
|---|---|---|---|---|---|
| WTR EXT | Water extraction — Cat 2, affected area | 640 | SF | $0.55 | $352.00 |
| RMV CPT | Remove & dispose wet carpet + pad | 320 | SF | $0.62 | $198.40 |
| AIR MVR | Air mover (axial) — qty 6 × 4 days | 24 | DAY | $28.50 | $684.00 |
| DEHU LG | Dehumidifier (LGR) — qty 2 × 4 days | 8 | DAY | $95.00 | $760.00 |
| ANTIMIC | Antimicrobial application — affected area | 640 | SF | $0.42 | $268.80 |
| MOIST MON | Moisture monitoring & daily drying log | 4 | DAY | $65.00 | $260.00 |
| DRY WALL | Flood cut & detach drywall — 2 ft, base of wall | 48 | LF | $3.10 | $148.80 |
| HEPA AIR | HEPA air scrubber — qty 1 × 4 days | 4 | DAY | $78.00 | $312.00 |
| PPE/CON | Containment + PPE (Cat 2 protocol) | 1 | EA | $145.00 | $145.00 |
| Subtotal | $3,329.00 | ||||
| Tax (7.5%) | $249.68 | ||||
| Estimate total | $3,578.68 | ||||
| Less deductible | ($1,000.00) | ||||
| Net to carrier | $2,578.68 | ||||
Scope & category notes
Category 2 (grey water) loss; antimicrobial and containment applied per IICRC S500. Drying equipment counts and days are backed by the daily moisture log; final billed amount reflects documented drying duration and any approved supplements. Deductible is the homeowner’s policy responsibility; net is billed to the carrier. Reconstruction (rebuild), mold remediation, and contents are scoped separately. This sample is a template — replace bracketed fields and rates with your job and regional pricing. Not a quote.
Sample line items and rates are illustrative for 2026. Use your own regional pricing.
What to include on a water damage estimate
Restoration billing is Xactimate-driven, so a strong estimate reads like a scope of work, not a one-line price. These are the pieces carriers and homeowners expect.
IICRC water category & class
State the S500 category (1 clean, 2 grey, 3 black) and class of saturation up front. It justifies antimicrobial, containment, and disposal line items and tells the adjuster why the scope is what it is.
Line-item scope, not a lump sum
Carriers settle water claims on itemized pricing — extraction, air movers per day, dehumidifier per day, antimicrobial, drywall — each at a regional unit cost. A single 'water cleanup' number gets kicked back. Mirror the structure adjusters expect in Xactimate.
Equipment counts × days
Drying equipment is the bulk of the bill. Always show quantity and the number of drying days (e.g. 6 air movers × 4 days), backed by your moisture readings and drying log so the duration is defensible.
Claim, carrier & deductible placeholders
Capture the carrier, claim number, date of loss, and the homeowner's deductible. The deductible comes off the homeowner's responsibility; the net is what you bill the carrier. Spell it out so nobody is surprised at close.
Scope & category notes
A short notes block — source of loss, affected rooms, materials removed, why a flood cut was needed — turns a price sheet into documentation. It is the difference between a quote and an estimate a carrier can approve.
Water damage estimate FAQ
What is a water damage estimate template?
It is a structured scope sheet a restoration contractor uses to price a water loss line by line — extraction, drying equipment per day, antimicrobial, moisture monitoring, and any drywall or material removal — instead of quoting a single lump sum. Each line carries a quantity, unit, and unit rate, plus the IICRC water category, deductible, and carrier/claim details so it reads the way an insurance adjuster expects.
How is a restoration estimate different from a regular invoice?
An invoice bills for work already done; an estimate scopes and prices the work before it is approved. On insurance jobs the estimate is also the negotiation document — it has to map to Xactimate line items, IICRC categories, and a documented drying log, because the carrier approves the scope, not just a total. That is why we frame this as an estimate/scope template rather than a generic invoice.
Do I have to use Xactimate to write a water damage estimate?
For cash jobs, no — a clean itemized estimate like this template is enough. For insurance claims, most carriers expect (and many require) the scope in Xactimate, where every task has a regional unit price and the documentation rules are built in. This template uses the same line-item logic, so the scope you build here translates directly into an Xactimate estimate.
How do I handle the deductible on a water damage estimate?
The deductible is the homeowner's out-of-pocket share set by their policy (commonly $500–$2,500). You still estimate the full scope; the deductible is then subtracted to show the net amount billed to the carrier. List the total, the deductible, and the net-to-carrier as separate lines so the homeowner and adjuster both see exactly who owes what.
Scope, document, and bill jobs with RestorationPro.
A template gets the estimate on paper. RestorationPro cascades your Xactimate scope into tasks and equipment placement, logs the drying and moisture readings as you go, and ships an adjuster-ready evidence packet in one link — so the claim gets paid.
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