Overhead & Profit Calculator
What this tool does
Enter your base repair cost and the number of trades involved. The calculator shows the industry-standard 10% overhead and 10% profit breakdown, the total O&P amount, and whether your project meets the three-trade threshold where O&P typically applies.
Who needs this
Anyone with a multi-trade insurance repair. If your kitchen, bathroom, or whole-home repair involves plumbing, electrical, drywall, flooring, painting, or other trades, O&P should be in your estimate. This tool shows you exactly how much.
How to use it
Find the base repair total on your insurance estimate (before any O&P line items). Enter that number. Then count the distinct trades listed in the estimate: demo, plumbing, electrical, drywall, flooring, painting, cabinetry, tile, HVAC. Enter that count. The calculator does the rest.
See how this applies to your property
Upload photos of your damage and get a detailed analysis showing exactly where your estimate may fall short.