Before you call anyone.
The first hour, in order. Every step comes from the Texas Department of Insurance (TDI), FEMA or Houston Public Works.
- 01
Stop the water.
Shut it off at the main. How to find yours
Why: TDI says to "shut your water off at the main" and stop the leak as soon as you can.source [7, 8]
- 02
Make it safe.
Turn off power and gas. Have an electrician check before power comes back on.
Why: FEMA's post-flood guidance.source [1]
FIELD NOTEWater at outlets, panels or appliances? Treat the room as unsafe until it is checked.
- 03
Move valuables up off the floor.
Too heavy to move? Put foil or plastic under each leg.
Why: TDI warns your insurer "may deny your claim if you don't protect your property." Temporary repairs are generally fine.source [7, 9]
FIELD NOTEA sofa or dresser you can't lift: slide foil or a plastic bag under each leg. It keeps wood from wicking water and stops stain marks on wet carpet. Skip bare wood blocks; they can stain too.
- 04
Photograph everything before you touch it.
Wide shots and close-ups.
Why: TDI and FEMA both say to document before repairs. Include water marks and the inside of closets and cabinets.source [8, 9, 2, 1]
- 05
Tell your insurer as soon as you can.
Hidden water damage usually has to be reported within days. What Texas policies usually cover
Why: TDI. Don't make permanent repairs until your insurer has seen the damage.source [8, 9]
- 06
Keep damaged items and receipts
until the adjuster has seen them.
Why: TDI. Keep receipts for any repair materials you buy.source [8]
- 07
Start drying.
Mold can begin within a day. More on the clock
Why: TDI says within a day; FEMA says 24 to 48 hours, and drying usually takes two to three days.source [8, 3]
- 08
Then call us.
With the water stopped and photos taken, you can tell us what happened and when.
A licensed mold assessor decides whether it is mold.source [6] In Texas, TDLR (the Texas Department of Licensing and Regulation) licenses assessors and remediators separately, and one license holder may not do both on the same job.source [4] When a license is required
Houston Public Works publishes a two-hour meter test and a toilet dye test. Try them first.