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Water Damage: What to Do in the First Hour

Short answer: Stay safe from electricity first, stop the water at the source if you can, move valuables, photograph everything before cleanup, and start drying or call for water extraction as soon as possible.

First-hour checklist

  1. Put safety first. If water is near outlets, cords or the electrical panel, don't walk through it. Turn off power at the main breaker only if you can reach it while standing on a dry surface; otherwise call your utility.
  2. Stop the source. Shut off the main water valve for a burst pipe or appliance leak. For roof leaks, catch water with buckets and puncture a sagging ceiling bulge only if it is safe.
  3. Photograph and video everything. Before moving or throwing anything away, take wide and close-up photos and video of every wet area, the source and damaged items. Your adjuster will want to see this.
  4. Protect belongings. Move electronics, documents, rugs and furniture to a dry area. Put foil or blocks under furniture legs.
  5. Start drying. Open windows if the weather allows and run fans. Professional extraction and drying is generally recommended within 24–48 hours to limit mold.
  6. Keep receipts and notify your insurer. Keep receipts for anything you buy to prevent further damage. Report the loss to your insurer; coverage depends on your policy.

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ClaimToRepair documents damage and gives you a photo report and estimate you can share with your adjuster. Coverage may apply depending on your policy; only your insurer decides.

Frequently asked questions

Is water damage covered by insurance?

It may be covered depending on your policy and the cause. Sudden events such as a burst pipe are often treated differently from flooding or long-term leaks. Flood usually needs separate flood insurance. Only your insurer decides coverage.

Should I clean up before the adjuster comes?

Take thorough photos and video first, then take reasonable steps to prevent further damage, such as stopping the water and drying out. Most policies expect you to protect the property. Keep damaged items or photos of them, and keep your receipts.