Emergency Action Steps

What to Do Immediately After Water Damage

Shut off the water source first — or the power, if water is near anything electrical. Then work through the checklist below in order. What you do in the first hour affects both how much damage spreads and how smoothly your insurance claim goes.

Step-by-Step Checklist

1. Shut off the water source (or power, if unsafe)

   If the water is coming from a pipe, appliance, or fixture, shut off the water at the source or at your home's main shutoff valve. If standing water is anywhere near electrical outlets, panels, or appliances, shut off power to the affected area at the breaker before doing anything else.

2. Move people and pets to a dry area

   Especially with Category 2 or 3 water (grey water or contaminated water), avoid contact and keep people and pets away from the affected area until it has been assessed.

3. Document everything before you touch anything

   Photograph and video the damage, standing water level, and any affected belongings before you move or remove anything. This documentation is the single most useful thing you can do for your insurance claim.

4. Start removing standing water if it is safe to do so

   A wet/dry vacuum or mop can help with small amounts of standing water. Do not attempt this if there is any electrical risk or if the water is contaminated (Category 3).

5. Move undamaged belongings out of the affected area

   Removing furniture, rugs, and boxes from wet flooring limits secondary damage and staining.

6. Call your insurance company promptly

   Report the loss as soon as reasonably possible. Delayed reporting can be used to argue the damage was gradual rather than sudden. See our guide on what Florida homeowners insurance covers.

7. Get drying started within 24-48 hours

   Mold growth can begin within 24-48 hours in a warm, humid Florida climate. Fans, dehumidifiers, and open windows (if humidity outside is lower than inside) help, but a full structural drying assessment is usually needed for anything beyond a minor spill.

Last reviewed July 20, 2026 by the Canal City Restoration editorial team.