How Much Does a Water Damage Restoration Company Cost in Jacksonville, FL? (2026 Price Guide)

Simple jobs (one room, clean water) take 3–7 days. Moderate damage (multiple rooms, category 2 water) requires 1–2 weeks. Severe damage with structural drying, mold treatment, and reconstruction can span 4–8 weeks. Speed depends on humidity levels, material types, and whether reconstruction is needed.

Most policies cover sudden, accidental damage from burst pipes or appliance failures. Flood damage from rising water or rain requires separate flood insurance. Check your policy for deductibles and exclusions. Damage from neglect or maintenance failures typically isn't covered.

If damage results from a sudden, identifiable event (burst pipe, storm), you may deduct casualty loss on federal taxes, minus your deductible and a percentage threshold. Document all expenses and report them on Form 4684. Consult a tax professional for your specific situation.