1-800 WATER DAMAGE vs TOP RAIL®
Franchise Comparison 2026
Both 1-800 WATER DAMAGE and TOP RAIL® are home services franchises. 1-800 WATER DAMAGE requires an investment of $143K – $312K while TOP RAIL® requires $161K – $297K. In terms of revenue, TOP RAIL® reports higher average unit revenue at $1.2M. Note: Averaged per franchisee, not per outlet - not comparable with per-outlet figures; Reported for a subset of outlets rather than the whole system. 1-800 WATER DAMAGE has SBA lending data on file with a 20.0% charge-off rate. FranchiseVerdict rates 1-800 WATER DAMAGE D (Below average) and TOP RAIL® B (Above average).
| Metric | 1-800 WATER DAMAGE | TOP RAIL® |
|---|---|---|
| Verdict Grade | DBelow average | BAbove average |
| Investment Range | $143K – $312K | $161K – $297K |
| Franchise Fee | $59K | $60K |
| Royalty Rate | 10.0% | 7.0% |
| Average Revenue (Item 19) | $512KPer franchisee, not per outlet · Outlet subset | $1.2MPer franchisee, not per outlet · Outlet subset |
| SBA Charge-Off Rate | 20.0% (24 loans) | Limited data |
| Total Units | 160 | 167 |
| Unit Growth (YoY) | -15 units | +74 units |
| Year Began Franchising | 2015 | 2022 |
| FDD Year | 2026 | 2025 |
Investment Range
$143K – $312K
$161K – $297K
Franchise Fee
$59K
$60K
Royalty Rate
10.0%
7.0%
Average Revenue (Item 19)
$512KPer franchisee, not per outlet · Outlet subset
$1.2MPer franchisee, not per outlet · Outlet subset
SBA Charge-Off Rate
20.0% (24 loans)
Limited data
Total Units
160
167
Unit Growth (YoY)
-15 units
+74 units
Year Began Franchising
2015
2022
FDD Year
2026
2025