What to Do After a Flood or Fire — Step-by-Step Checklist

1. 1

   Get everyone out safely

   Your first priority is people, not property. Get all occupants and pets out of the building immediately. Do not re-enter until authorities or professionals confirm it is safe.

2. 2

   Call 911 if needed

   For active fires, gas leaks, or structural collapses, call 911 immediately. For water events, shut off the main water supply if you can do so safely.

3. 3

   Document everything before touching anything

   Use your phone to photograph and video every room, every damaged item, every wall, floor, and ceiling. This documentation is critical for your insurance claim.

4. 4

   Call your insurance company

   Notify your homeowner's insurance carrier right away. Ask them to open a claim and request an adjuster. Have your policy number ready.

5. 5

   Call a restoration company — immediately

   Do not wait for the adjuster. Water damage spreads every hour. Fire soot corrodes surfaces within hours. Mold can grow within 24 hours. Call a certified restoration team now: (865) 555-0100.

6. 6

   Do NOT use appliances or electronics

   If there is any water involvement or structural damage, do not use any appliances, outlets, or electronics until cleared by a professional. Electrical hazards are serious.

7. 7

   Do NOT discard damaged items

   Insurance adjusters and restoration teams need to inspect damaged contents. Do not throw anything away until they have assessed and documented it.

8. 8

   Ventilate if safe to do so

   If there is no structural risk or fire hazard, open windows and doors to allow fresh air circulation. This slows mold growth and helps clear smoke odor.

9. 9

   Move undamaged valuables out of the area

   If you can safely do so, move important documents, medications, and undamaged valuables away from the affected area to prevent secondary damage.

10. 10

    Do NOT attempt DIY structural repairs

    Leave structural stabilization, debris removal, and hazardous material handling to licensed professionals. Amateur repairs can void your insurance coverage and create safety risks.

11. 11

    Keep all receipts for emergency expenses

    If you need to stay in a hotel, buy food, or rent equipment, keep every receipt. Many insurance policies cover additional living expenses (ALE) during restoration.

12. 12

    Follow up with your adjuster

    Stay in contact with your insurance adjuster throughout the process. Ask questions about your coverage, the timeline, and how contractor payments will work.