Valuation guide · Restoration (Water / Fire / Mold)

Restoration (Water / Fire / Mold) Business Valuation

Restoration (Water / Fire / Mold) businesses are typically priced on one of two earnings figures depending on size: Seller's Discretionary Earnings (SDE) below roughly $1M, and EBITDA above. Applied to restoration (water / fire / mold) specifically, the base multiple ranges are 3x–4.25x SDE and 5x–7.5x EBITDA. Where inside that range your business trades is decided by a handful of specific, buyer-visible factors.

Insurance-driven restoration businesses command strong multiples from national franchisors and PE-backed platforms. SERVPRO's franchise model still dominates unit count, but non-franchise operators with direct-billing carrier relationships trade at premium multiples in independent processes.

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This valuation range is a machine-calculated estimate from your inputs, not a formal appraisal or investment advice. An experienced M&A Advisor at Main Street Wealth will verify it in detail before you use it to make a decision.

What moves the multiple

Restoration (Water / Fire / Mold) valuation drivers

Industry sets the base range. These specific business-level factors move you up or down inside it.

TPA / carrier relationship count

Direct billing relationships with insurance TPAs and carriers. Each represents a source of predictable, recurring dispatch.

Response-time SLA performance

Insurance carriers measure and rank operators on response time. Top-quartile SLA performance is a durable competitive advantage.

Average job size + margin

Large-loss jobs carry lower margins but higher revenue. Trend-line here reveals the operator's project mix.

Deal structure

How restoration (water / fire / mold) deals close

Insurance-carrier relationships are the primary asset in most restoration deals — buyers will require confirmation that these relationships transfer post-close (they usually do, but sometimes require carrier re-approval). Sub-$3M-revenue deals are commonly SBA-financed asset purchases; larger deals attract national buyers with clean equity transactions.

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Common questions

Restoration (Water / Fire / Mold) valuation FAQ

How is my restoration business valued?

Restoration businesses trade at SDE multiples of 3.0–4.25x for owner-operator businesses below $1M SDE. Above $1M EBITDA, expect 5.0–7.5x — higher for operators with direct-billing carrier relationships and top-quartile response-time performance.

How do insurance carrier relationships affect a restoration business sale?

They're the largest single value driver. Buyers underwrite the ongoing carrier and TPA relationships heavily; deals where carrier approval isn't transferable trade at meaningful discounts. Confirm approval-transferability with each key carrier 3–6 months before going to market.

SERVPRO franchise vs independent restoration — which sells for more?

It depends. SERVPRO franchises have brand recognition and franchisor buyer pools but must obey franchisor transfer approval and often ROFR clauses. Independents have more freedom in a sale process, and top-quartile independents typically achieve equal or higher multiples in competitive processes.

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