Before filing a claim
What to Do After Water Damage
A calm, step-by-step look at the first hours and days after a leak or overflow inside your home.
Editorial status: draft — awaiting expert review. General information only.
Start with safety
Water and electricity are a dangerous combination. If water is near outlets, appliances or your electrical panel, stay out of the area and contact your utility or a licensed electrician.
Stop the source if you can
Locating and closing the main water shutoff is often the most useful first step. If the leak comes from an appliance, its own supply valve may be nearby.
Document before cleanup
- Photograph every affected room from several angles.
- Capture close-ups of damaged materials and belongings.
- Note the date and time you discovered the water.
- Keep the failed part (hose, valve, pipe section) if possible.
Limit further damage
Many policies expect reasonable steps to prevent additional damage. That can include moving belongings, removing standing water, and running fans — or hiring a water mitigation company. Keep receipts for anything you spend.
Contact your insurer
Review your policy for notice requirements and report the loss as soon as practical. Ask what documentation they need and whether they want to inspect before repairs.
Checklist
- Area is safe to enter
- Water source stopped
- Photos and video taken
- Insurer or agent notified
- Receipts saved
- Mitigation arranged if needed
Related guides
Official resources