What to do in the first hour
Most of what protects your home and your insurance claim happens before any contractor arrives. These steps apply to nearly every kind of damage:
- Stop the source if it is safe. For a plumbing leak, close the main water shutoff. Do not walk into standing water if outlets, cords or appliances may be energized; have the power shut off at the breaker or by the utility first.
- Do not re-enter a fire-damaged building until the fire department says it is safe.
- Photograph everything before you move or throw anything away: rooms, waterlines on walls, damaged belongings, serial numbers.
- Call your insurance company or agent to report the loss and ask what your policy requires. Coverage depends on your policy; flood damage is usually excluded from standard homeowners policies and handled by separate flood insurance.
- Protect yourself. Floodwater and sewage can carry bacteria and chemicals, and soot and mold can irritate the lungs. Wear gloves, boots and an N95 or better respirator if you must handle wet or sooty materials, and keep children and pets away.
- Keep receipts for emergency supplies, tarps, fans and temporary lodging.
Our service guides go deeper on water, fire, flood, storm and mold situations, including what a typical restoration contractor does and what to ask before you hire one.