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May 1, 2026

What to Do in the First Hour of a Flood

The first hour after water damage matters most. Here's a calm, step-by-step checklist to protect your home and your insurance claim.

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When water starts coming in, the clock starts too. What you do in the first hour can be the difference between a quick repair and a major reconstruction. Here is a simple, safety-first checklist.

1. Make sure everyone is safe

People first. If there is any risk from electricity, gas, structural damage, or contaminated water, get everyone out and stay out until it is safe.

2. Stop the source — if it is safe

If a pipe or appliance is the cause, shut off the water at the fixture or at your home’s main shutoff valve. If the water may be near electrical outlets or your panel, do not touch it — shut off power at the breaker only if you can do so safely, or call your utility.

3. Call for emergency help

Call a 24/7 restoration team. Fast water extraction and drying prevents the secondary damage — warping, swelling, and mold — that drives up cost. For an active emergency, call rather than waiting on a form.

4. Document the damage

If it is safe, take photos and video of the standing water and damaged items before you move anything. This documentation supports your insurance claim.

5. Mitigate where you safely can

Move valuables and electronics to a dry area, lift draperies and furniture skirts off wet carpet, and remove small rugs. Do not use a household vacuum to remove water, and do not enter rooms with sagging ceilings.

6. Call your insurance company

Report the loss to your insurer. A restoration company that bills insurance directly can coordinate with your adjuster and document everything for you.


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