Water Damage Emergency Checklist

The exact steps to take in the first 48 hours after water damage — protect your property, document for insurance, and prevent mould. Work through each section in order.

London Water Damage Restoration · waterdamagerestorationlondon.co.uk

First 30 Minutes — Safety First

Turn off electricity at the fuse box if water is near sockets or appliances
Turn off the water supply at the stopcock to stop further flooding
Evacuate the building if flooding is severe or structural damage is suspected
Do not use electrical appliances until a qualified electrician has checked them
Call your insurance company immediately to report the damage
If flooding is from outside, call the Environment Agency helpline: 0345 988 1188

Document Everything for Your Insurance Claim

Photograph and video all damaged areas before touching anything
Take photos of water levels, damaged flooring, walls and possessions
List all damaged items with approximate values
Keep receipts for any emergency spend (accommodation, emergency plumber)
Do not dispose of damaged items until your insurer has assessed them
Ask your insurer for a claim reference number and loss adjuster contact

Stop Damage Spreading

Move furniture and valuables to a dry area immediately
Place towels or buckets to contain water if still dripping
Open windows and doors to ventilate — but only if outside conditions allow
Remove wet rugs and carpets — these harbour mould quickly
Do not use a domestic vacuum on water — use a wet/dry vac or call a professional
Do not use heaters to dry — this can warp wood and accelerate mould growth

Choosing a Restoration Company

Look for BDMA (British Damage Management Association) membership
Check for IICRC (Institute of Inspection, Cleaning and Restoration) certification
Get at least 2 quotes — costs vary significantly
Ask if they work directly with your insurer
Confirm they have industrial drying equipment and moisture monitoring
Ask for a written scope of works before any work begins

Preventing Mould — Act Within 48 Hours

Mould can begin forming within 24–48 hours — professional drying is essential
Run dehumidifiers if available — empty them regularly
Remove and dispose of insulation that has been wet
Treat affected areas with an anti-mould solution after drying
Monitor humidity levels — aim for below 60% relative humidity
Ask your restoration company to test for mould before closing up walls

Insurance Claim Process

Report to your insurer as soon as possible — delays can affect your claim
Ask your insurer if they have approved restoration companies
Keep a log of all communication with your insurer (dates, names, what was said)
Request a copy of the loss adjuster's report
You are entitled to a second opinion if you disagree with their assessment
Check your policy for alternative accommodation cover if your home is uninhabitable

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