The short answer
Stop the Water First
Before you call anyone, shut off the water supply if a pipe burst or a fixture is leaking. If the water came from outside, like a flood or heavy rain, do what you can to block entry points and move valuables to a dry area. Your safety comes first, so avoid standing water if there's any chance of electrical hazards or structural weakness.
Once the water is stopped, take photos and videos of the affected areas. Capture the source of the water, the extent of the damage, and any belongings that got wet. This documentation helps your insurance company understand what happened and supports your claim. Keep receipts for any supplies you buy for temporary repairs, like buckets or towels.
- Turn off the main water valve if a pipe burst
- Move furniture and rugs to dry areas
- Use towels or a wet-dry vacuum to remove standing water
- Open windows for ventilation if it's safe
- Save samples of wet carpet or drywall if you can
Call Your Insurer
After you've secured the property, contact your insurance company to report the loss. Ask what your policy covers and what steps you need to take next. Some policies cover water damage from burst pipes, while others may exclude flooding or sewer backups. Policies vary, and your insurer decides what is covered.
Ask about deadlines for filing a claim and whether you need to get repair estimates. Your insurer may want to inspect the damage before you start any repairs, so don't throw away damaged items until they've been documented. Keep a log of all conversations, including dates and names of representatives you speak with.
Document Everything
Thorough documentation strengthens your claim. In addition to photos and videos, write down a detailed list of damaged items, including their approximate age and purchase price if you know it. This inventory helps your insurer assess the value of your losses and speeds up the process.
Keep all receipts for emergency expenses, such as hotel stays if your home is uninhabitable, or equipment rentals for drying. Your policy may reimburse you for these costs, but only if you have proof. Store all documents in a safe place, like a waterproof bag or a digital folder.
Start Drying Your Home
While waiting for your insurer, begin drying your home to prevent mold and further structural damage. Use fans and dehumidifiers to reduce moisture, and remove wet carpets and padding if possible. In humid climates, like Euless, mold can develop within 48 hours, so act quickly.
If the water damage is extensive, you may need professional help. Local water damage pros can extract standing water and set up industrial drying equipment. They can also map moisture levels to identify hidden pockets of dampness in walls and floors. This work not only protects your home but also provides documentation for your claim.
- Set up fans to circulate air
- Use a dehumidifier in affected rooms
- Remove wet carpets and padding
- Prop up wet furniture to allow air flow
- Wipe down surfaces with a mild detergent
Know Your Policy Limits
Review your insurance policy to understand your coverage limits and deductibles. Water damage from a sudden pipe burst is often covered under homeowners insurance, but gradual leaks or flooding may not be. If you're unsure, ask your insurance company directly.
If your claim is denied or the coverage is insufficient, you may need to pay for repairs out of pocket. In that case, get multiple estimates from local pros to compare costs. Remember that the least expensive option isn't always the right one, as poor workmanship can lead to more problems later.
Water damage does not wait
Phones are answered 24/7 for Euless and nearby communities.
Call Now (817) 799-6732Frequently asked questions
What if I don't have insurance?
If you don't have insurance, you'll need to handle the damage yourself. Start by drying the affected areas and removing water. For extensive damage, consider hiring local water damage pros. You may also qualify for disaster assistance if the damage was caused by a federally declared disaster.
Can I clean up before the insurance adjuster visits?
Yes, but you should document everything first. Take photos and videos of the damage, and keep samples of wet materials if possible. You can start removing water and drying the area to prevent mold. However, avoid making permanent repairs until your adjuster has seen the damage.
How long do I have to file a claim?
Check your policy for the deadline, as it varies by insurer and state. Many policies require you to report damage within a reasonable time, often 30 days. Contact your insurance company as soon as possible to avoid missing any deadlines. Policies vary, and your insurer decides what is covered.