Guide
The first 24 to 48 hours after water damage
The first two days set up everything that follows: the repair, the claim and the bill. This list sticks to steps backed by the CDC and the Washington insurance regulator.
Calling soon after you find the water usually leaves more choices. The call goes to an independent contractor.
In order
Make it safe
The CDC says to turn off gas, power and water when water is in your home and to unplug appliances before power returns. Stay out of rooms where water may touch outlets or wiring.
Stop the source
Close the valve, or call Public Works at 360.753.8333 if you are on Olympia water and cannot reach the shutoff.
Photograph and list
Take clear photos and video of the damage and the source. List damaged items with age and value. Keep damaged items until the insurer has seen them, unless they are unsafe.
Ask your insurer before you file
The regulator suggests asking whether the loss is covered before opening a claim, because a claim for an uncovered loss still sits on your record.
Keep every receipt
The regulator says to keep receipts for repair materials and to track housing and food costs if you are displaced.
Call a contractor
Use the number on this page, or any registered contractor you prefer. The regulator says the choice is yours.
What not to rush
Do not sign an assignment of benefits form in the first rush. The regulator says it could affect your rights to your claim.
Do not throw away anything the insurer may want to inspect, unless it is unsafe to handle. Photograph first.
If you are renting
Give your landlord written notice the same day. The renters page lists the repair deadlines in state law.
If it is a sewer backup or a flood
Both are excluded from a standard home policy, according to the regulator. The sewage page and the insurance page explain what to check.
Questions people ask
Do I have to use the contractor my insurer names?
No. The regulator says insurers are not required to give you a contractor list, and you can choose your own.
How long does the insurer have to respond?
The regulator says an insurer should accept, deny or send a written delay notice within 30 days of a claim starting, and has 30 days to inspect. If your policy requires you to protect the property, it has five business days to approve a mitigation scope.
Water still spreading? Make the call.
You will be asked what is wet, where the water came from and whether it has stopped. Have the street address in front of you.