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Who to Call First After a Major Water Damage Event?

Last updated October 25, 2026

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The short answer

Start with Your Insurance Company

Your first call should be to your insurance company. They will guide you on what documentation they need and what steps to take. Policies vary, and your insurer decides what is covered. Ask about coverage for water damage, temporary housing, and any deadlines for filing a claim.

Take photos and videos of the damage before you move anything. Note the time and source of the water if you know it. This information helps your claim. Keep a list of damaged items and their approximate value. Your insurance company may send an adjuster to assess the loss.

Shut off the Water Source

If you can safely reach the main water shutoff valve, turn it off. This stops further water from entering your home. If the leak is from a specific appliance, like a washing machine, turn off its supply valve. If you live in Bonita Springs, keep your shutoff valve location written down.

If water is near electrical outlets or appliances, do not enter the area. Call an electrician to assess the situation. A plumber can help if you cannot find or turn off the valve. Your safety comes first. Do not risk injury to stop the water.

  • Turn off the main water valve if you can reach it safely
  • Unplug electronics in the affected area if it is safe
  • Move valuable items to a dry area
  • Do not walk through standing water if electricity is involved
  • Open windows to increase airflow if weather permits
  • Keep receipts for any emergency purchases

Contact Local Water Damage Pros

After you have called your insurance company and shut off the water, contact the pros. They can assess the extent of the damage and begin mitigation. Mitigation includes removing standing water, drying materials, and preventing mold growth. Acting quickly reduces the chance of secondary damage.

The pros will document the damage for your insurance claim. They can also advise on what can be saved and what needs to be replaced. In a humid subtropical climate with hot rainy summers and an Atlantic hurricane season, mold can start within 24 to 48 hours. Fast action matters.

Document Everything for Your Claim

Create a detailed inventory of damaged items. Include the item, its age, and its approximate value. Take photos of each item and the damage around it. Write down the date and time the damage occurred. This information is essential for your insurance claim.

Keep all receipts for any emergency repairs or supplies. If you need to throw away items, take photos first. Your insurance company may want to see the damage before disposal. Ask them if it is okay to discard items. Keep a log of all calls and conversations with your insurer.

Plan the Restoration Process

Once the immediate water is controlled, the restoration process begins. This includes drying, cleaning, and repairing the affected areas. The pros will assess what materials need to be removed, such as drywall or insulation. They will also check for hidden moisture in walls and floors.

The cost of restoration depends on the extent of the damage, the materials involved, and the size of the affected area. It often ranges from a few hundred to several thousand dollars. Your insurance policy may cover part or all of the cost. Ask your insurer about coverage limits and deductibles.

  • Remove wet carpets and padding as soon as possible
  • Use fans and dehumidifiers to dry the area
  • Discard any food or items that came into contact with floodwater
  • Wash your hands after handling contaminated items
  • Wear gloves and a mask when cleaning up
  • Keep records of all repair and restoration work

Need help right now?

Call (239) 441-2877 any time, day or night, and describe what happened.

Call Now (239) 441-2877

Frequently asked questions

Should I call a plumber before my insurance company?

Call your insurance company first to start the claim process. A plumber can help if you need to stop an active leak. Your insurer will want to know the source and extent of the damage. They may also have preferred vendors.

Can I start cleanup before the pros start work?

You can remove personal items and dry small areas if it is safe. Avoid touching electrical equipment or entering rooms with standing water. Document everything with photos first. The pros will handle the heavy cleanup and drying to prevent mold.

What if the water was from a storm or flood?

Flood damage is often covered by a separate flood insurance policy. Check your policy to see what is included. Your insurance company can tell you if flood damage is covered. If not, ask about options for flood insurance in the future.

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