Two phases, one recovery — understand what happens when and who pays for it.
| Factor | Mitigation | Restoration |
|---|---|---|
| Primary Goal | Stop damage from spreading — extract water, dry structure, prevent mold | Return property to pre-loss condition — repair/replace damaged materials |
| When It Happens | First 24–72 hours after water event (emergency phase) | After structure is dry and mitigation scope is complete |
| Typical Duration | 3–5 days (drying and monitoring) | 1–4 weeks (reconstruction, depending on scope) |
| Who Performs It | IICRC-certified restoration company with extraction/drying equipment | Restoration company, general contractor, or specialty trades (flooring, drywall) |
| Insurance Coverage | Usually covered under 'sudden and accidental' water damage | Covered if part of same claim — may require adjuster approval for scope |
| Average Cost | $1,500–$6,000 for typical residential job | $2,000–$15,000+ depending on materials replaced |
