Guide
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; DryCalm may be compensated for connections.
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.
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. DryCalm may be compensated for connections.
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.