Guide
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An independent specialist answers. Say your ZIP and water inside the home — they confirm next steps and ETA.
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Insurance claim after water damage — start here.
Insurers want timing, photos, and what you did to stop the water. Document first, then get ZIP-based help for drying when coverage exists.
Do this now
- Note when you discovered the water and what you shut off.
- Photograph rooms, water lines, and serial numbers on wet appliances.
- Keep receipts for emergency supplies.
- Avoid throwing out damaged items until the adjuster says so when possible.
- Enter your ZIP on DryCalm for local next steps and a restoration line when available.
When to get help
Call for professional mitigation if you have standing water, wet drywall or carpet, sewage, a sagging ceiling, or any electrical risk. DryCalm is not 911 and does not give free quotes — when partner coverage exists for your ZIP, we show a number to call. Contractors are independent;
FAQs
Should I call insurance or a contractor first?
If anyone is unsafe, call 911. Otherwise stop the water if safe, document, then call your insurer and get a mitigation assessment — order can vary by policy.
Does DryCalm file claims?
No. DryCalm shows safety steps and may connect you to a restoration partner. You and the contractor handle the claim with your insurer.
What photos matter most for a claim?
Wide room shots, close-ups of the source, water height marks, serial numbers on wet appliances, and a clock/date reference when possible.
Can I throw out wet furniture before the adjuster arrives?
Ask your insurer first when possible. If items are a health hazard, photograph them thoroughly (including labels) before disposal and keep a written inventory.
What should I say when I call while opening a claim?
ZIP, when you discovered the water, what you shut off, and that you need mitigation documentation for insurance. DryCalm does not file the claim.
Does DryCalm give free quotes for water inside the home?
No. DryCalm is free guidance — not a quote marketplace. When partner coverage exists for your ZIP, we show a number to call an independent contractor.
Should I call before or after contacting insurance?
If unsafe, call 911 first. Otherwise stop the water if safe, photograph damage, then call your insurer and get a mitigation assessment. Order can vary by policy — document timing either way.
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Call now
Restoration help available
An independent specialist answers. Say your ZIP and water inside the home — they confirm next steps and ETA.
Not 911 · Verify license before hiring