Homeowner guide

What to Do After Water Damage: A Homeowner Checklist

Finding water inside your home can be stressful. You do not need to solve every problem at once. Start by protecting people, avoid unsafe areas and document what you can safely observe.

Water pooled on an interior floor with signs of moisture damage
Illustrative stock imagery. Actual circumstances and service availability vary.
Note: This content is general information. It does not replace a site-specific assessment, professional advice or emergency response.

1. Put safety first

Stay out of standing water if it may contact electricity, sewage, chemicals or other contaminants. If an electrical hazard is possible, do not touch equipment or switches in the affected area; contact the appropriate utility or emergency professional. Keep children and pets away.

2. Stop the source if safe

If the water comes from a known plumbing line and you can safely reach the correct shutoff valve, turn it off. If water is coming from outside, a damaged ceiling is sagging or you are unsure of the source, do not put yourself at risk to investigate.

3. Record visible damage

Once safe, take photos or video of affected rooms and belongings. Note when you first noticed the problem and any actions taken. Avoid moving heavy or waterlogged items if there is a risk of injury.

4. Contact the right help

Depending on the source, you may need a plumber, a water-damage service provider, your landlord or property manager, an insurer, or a utility. Explain what happened and ask whether the person can address the specific issue.

5. Keep notes and receipts

Save estimates, work orders, receipts and communications. Before authorizing non-emergency work, review the scope and ask about exclusions, extra fees and who is responsible for each part of the job.

6. Be cautious about damp materials

Moisture can remain behind surfaces after visible water is gone. Do not assume a room is dry simply because the floor looks dry. Ask how affected materials will be assessed and whether further inspection is recommended.

Further reading

For general flood preparedness and safety information, consult Ready.gov’s floods guidance. For mold-related cleanup information, consult the U.S. Environmental Protection Agency’s home cleanup guidance. Read Ready.gov guidance. Read EPA guidance.

Related information

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