The First 24 Hours After Water Damage: A Homeowner's Checklist

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Act fast. The EPA warns that mould can begin growing within 24–48 hours of water exposure, so the first day matters more than any other.

Do this immediately

• Stop the source if it's safe — shut off the water main or the supply to the leak.
• Kill the power to affected areas before stepping into standing water. If in doubt, stay out and call an electrician.
• Protect yourself — floodwater can carry sewage and contaminants; wear boots and gloves.
• Document everything — photograph and video every affected room and item before you move anything. This is what your insurer needs.
• Move what you can — lift furniture, rugs, and valuables out of the water.
• Start drying — open windows, run fans and a dehumidifier. Professional drying should begin the same day.

Call your insurer — and a restoration pro

Sudden, accidental damage (a burst pipe or storm) is often covered by homeowners insurance; gradual leaks and flooding usually are not (flooding needs separate coverage — and FEMA estimates just one inch of water can cause roughly $25,000 in damage). A professional water damage restoration company can bill most insurers directly and has the equipment to dry a home properly before mould sets in.

What not to do

• Don't wait “to see if it dries on its own.” It won't, and mould starts within two days.
• Don't use a household vacuum on standing water.
• Don't throw damaged items away before documenting them for your claim.

This is general guidance, not professional or insurance advice. When in doubt, call a licensed restoration professional.

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