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Water Damage Restoration Cost, ON (2026) | GetAHomePro
Blog How Much Does Water Damage Restoration Cost in Ontario? (2026) Water damage restoration in Ontario costs $1,200-$25,000+. 2026 prices by category, room type, and what insurance covers.
Table of Contents Water damage moves fast. A burst pipe or flood can turn into a five-figure repair bill. Here are real 2026 costs across Ontario.
Ontario Water Damage Costs at a Glance
Damage Level Scenario Cost Range Minor (Category 1) One room, clean water $1,200-$3,000 Moderate (Category 1/2) Multiple rooms $3,000-$8,000 Severe (Category 2/3) Structural + mold $8,000-$25,000+ Sewage (Category 3) Biohazard remediation $7,000-$15,000 Mold add-on Found during restoration $1,500-$6,000
Toronto/GTA runs 20-30% higher than Ontario average.
Cost by Room
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Sources & Methodology
Cost estimates based on regional market analysis and the GetAHomePro contractor database (2026). Pricing reflects Ontario market conditions and may vary by city and project scope.
Last updated: April 3, 2026
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Room Cost Key Drivers Bathroom $1,500-$4,500 Tile, subfloor, vanity Kitchen $2,000-$7,500 Cabinetry, appliances Basement (unfinished) $1,800-$6,000 Concrete, sump, drainage Basement (finished) $5,000-$20,000+ Drywall, flooring, HVAC Living Room $2,500-$8,000 Hardwood, plaster
Cost by Stage Stage Cost Emergency Response $500-$2,000 Structural Drying (3-7 days) $1,000-$4,000 Tear-Out $800-$5,000 Mold Remediation $1,500-$6,000 Reconstruction $2,000-$15,000+
Insurance Coverage Covered: Sudden/accidental (burst pipe), sewer backup (with rider), overland flooding (with rider).
NOT Covered: Gradual leaks, groundwater seepage, lack of maintenance, flooding without rider.
Standard deductible: $1,000-$2,500.
Timeline Minor: 1-2 weeks. Major with mold and structural: 6-10 weeks.
DIY vs Pro DIY okay: Surface spills on sealed tile, under 10 sq ft, caught immediately.
Call a pro: Anything in drywall/insulation, Category 2/3, near electrical, mold, any basement flood.
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FAQ How much does water damage restoration cost?
$1,200-$25,000+ depending on severity and water category. Toronto/GTA runs 20-30% higher.
Does insurance cover it?
Sudden and accidental — usually yes. Gradual leaks and flooding without riders — usually no.
How long does it take?
Minor: 1-2 weeks. Major with mold: 6-10 weeks.
Should I file a claim for minor damage?
If under $3,000 with a $1,000+ deductible, consider paying out of pocket.
How do I find a good contractor?
Look for IICRC certification, verify insurance, get 2-3 quotes.