In the first days after water appears
Stop the water safely
Shut off the water supply or the appliance. If water is near outlets or electrical equipment, stay out and call an electrician or the utility.
Photograph before moving anything
Take wide shots of each room and close-ups of the source, the water line on walls and damaged items.
Notify your insurer promptly
Most policies require timely notice. Ask what they need and whether they will send an adjuster.
Start drying
Reasonable steps to prevent further damage are normally expected. Keep receipts for fans, dehumidifier rental and supplies.
Keep a written log
Record dates, who you spoke with, what was said and what work was done.
Records to keep in one folder
How coverage often sorts out
| Cause of water | Often | Ask about |
|---|---|---|
| Sudden pipe or appliance failure | May be covered, subject to deductible | Whether odor treatment and mold are included or limited |
| Sewer or drain backup | Often needs a separate endorsement | Whether you have backup coverage and its limit |
| Surface water or flooding from outside | Usually excluded from standard homeowner policies | Whether you have flood insurance |
| Long-term seepage or humidity | Usually excluded as maintenance or gradual damage | Nothing to claim; fix the cause |
| Leak that was ignored for a long time | Often limited or denied | How the policy defines continuous or repeated leakage |
Questions to ask the insurer early
- Is odor removal part of the covered cleanup if the water event is covered?
- Does the policy limit mold-related work, and what is that limit?
- Can I choose my own contractors, and do you need to approve estimates first?
- What documentation do you need before I discard carpet, pad or contents?
- Is there a deadline for submitting the claim or proof of loss?
General information for Lakewood, not a quote or professional advice. In an emergency, call 911.