1. Safety, before anything else
- Assume water contacted live electricity. If outlets, appliances or the panel were submerged, do not touch them and do not enter standing water in the room. Have the power shut off by someone qualified.
- Assume floodwater is contaminated with sewage, fuel and chemicals. Gloves, boots, eye protection, and wash afterwards.
- Look up. Sagging ceilings and wet drywall are heavy and come down without warning.
2. Stop the source
If it is a supply line or fixture, shut off the water. If it is storm flooding, the water will recede — do not pump a flooded basement or lower level while surrounding ground is still saturated, which can cause structural collapse.
3. Photograph the water line
Before it recedes, before you clean anything. Mark it and photograph it with a measure. This single image often determines the claim.
4. Dry it out — the clock is running
Mold starts in 24–48 hours. See Mold Starts in 48 Hours. Get air moving, remove standing water, run dehumidifiers, and remove soaked carpet and padding.
5. Document and report
- Photograph everything before disposal — see Document Damage Before You Clean Up.
- Report the claim promptly — see Filing a Property Insurance Claim.
- Keep receipts for emergency measures. Mitigating further damage is usually required, and usually reimbursable.
General information, not insurance or construction advice. Your policy governs coverage — confirm with your insurer.