Emergency Dry-Out Cash Flow Forecaster

Estimate the cash you must front during the emergency dry-out phase before insurance reimburses you. Enter expected drying days and daily remediation cost, then optionally add reserves, insurance advances, and mobilization deposits to reveal total cash needed, coverage from existing funds, and any financing gap in dollars and days.

Number of days mitigation crews expect to run dehumidifiers, air movers, and monitoring equipment.
Include equipment rental, labor, antimicrobial treatments, and daily monitoring fees.
Cash or credit immediately available for deductibles or mitigation invoices.
Carrier advances or adjuster-issued checks you expect before the claim settles.
Day-one deposits, mobilization fees, or equipment holds payable before work begins.

Examples

  • 5 drying days at $750, $2,000 reserves, $500 advance, $600 mobilization ⇒ $3,750.00 USD in remediation, $600.00 USD in mobilization, $4,350.00 USD upfront need, $2,500.00 USD covered, and a $1,850.00 USD gap equal to 2.47 days of work.
  • 9 drying days at $890, $10,000 reserves, no advance ⇒ $8,010.00 USD total need, reserves cover 124.84%, leaving no cash gap and a daily burn rate of $890.00 USD.

FAQ

Should I include equipment deposits that are refunded?

Yes. Even refundable deposits temporarily tie up cash. Add them to the mobilization field so you plan for day-one funding needs.

How do I reflect credit-card float or HELOC access?

Add available credit lines to the emergency reserves field if you can draw on them immediately, or treat them as part of the liquidity gap you will cover with financing.

Do I enter reconstruction costs too?

This tool focuses on the dry-out phase. Use renovation or deductible calculators for rebuild budgeting, then combine totals to size overall disaster reserves.

What if the insurer pays the contractor directly?

Enter only the cash you personally advance. If the carrier pays vendors directly after the first visit, reduce the daily cost to the portion you must front so the gap reflects your exposure.

Additional Information

  • Total remediation cost multiplies daily cost by drying days and adds mobilization to highlight day-one cash requirements.
  • Coverage percentage divides reserves plus advances by total need to show how much of the project you can self-fund.
  • Cash gap expresses the remaining dollars you must finance and converts them into days of work not yet covered.
  • Daily burn output helps compare the gap against credit cards, HELOCs, or contractor financing you may tap during the loss.

Related calculators