Flooring repairs typically range between $200 to $500. The type of flooring and the length of time water sits affects the costs of removal and repair. Some types of flooring are more permeable than others. For example, laminates and carpet soak up liquids and degrade the subfloor quickly, whereas hardwood can sit underwater for short periods with little damage. Most tile products are either impervious to liquids or can be cleaned and dried with little or no damage, though the area may need grout work.

An insurance policy may or may not cover the costs associated with water damage and the process of water damage restoration. While a common cause of residential water damage is often the failure of a sump pump, many homeowner's insurance policies do not cover the associated costs without an addendum which adds to the monthly premium of the policy. Often the verbiage of this addendum is similar to "Sewer and Drain Coverage".