Recover from water damage

Water damage cleanup and repair

Most people don’t have to deal with water damage regularly, that’s why we’re here to help. So whether it’s help finding a preferred contractor¹ in your area or just general info, we’ve got you covered. Check out these steps to help you get your water damage fixed.

Should I file a claim for water damage?

Most insurance companies require you notify them when damage occurs. Now, whether you’ve filed a claim or not, it's important to use a reputable company when dealing with water damage. With preferred contractors¹, you can find local professionals who are certified and have specialized training.

Why it’s important to address water damage early

The main reasons to address water damage early are drying services can significantly

• Reduce damage
• Prevent the growth of mold and mildew
• Prevent further and/or hidden damage.

Please note, most homeowners policies require people to do their best to stop damage from getting worse. Not doing this can complicate a claim and/or lead to a denial from your insurance company.

How to recover from water damage

1. Safety first
   • Do not use electrical equipment or appliances while standing on wet carpet or floors
   • Never use water damaged electrical equipment, even if you’re using it in a dry area
   
   
2. Stop the source of water if you haven't already
   • Water coming from a burst or leaking pipe: Try to find the closest shut-off valve and turn it off.
   • Water coming in through the roof or broken windows: We could help you find a company to help protect your property from more damage
   
   
3. Find a professional

   After you report your claim to your insurance company, use a water cleanup specialist of your choice to clean up the water and dry your home. Your claims adjuster may also be able to recommend an approved company.

   If you need help finding a company to help, you can search our preferred contractors¹.

   Why use a preferred contractor¹?

   Who does your repairs is up to you, but here are a few reasons we recommend using a preferred contractor¹ for your claim.

   • Quality: Our program includes only professionally licensed, certified vendors who’ve undergone a background check and use techniques meeting industry standards.
   • Fast service: Typically, our vendors contact the customer within one hour after the claim is filed and arrive at the home within four hours.
   • Efficiency: Liberty Mutual’s claims team works closely with vendors to coordinate and monitor the drying process.
   • Value: Program vendors have agreed to complete the work at pre-negotiated rates, and bills go directly to Liberty Mutual for payment.

   Not ready to start a claim? That’s OK. You can still search our preferred contractors1 to help you find a contractor in your area.

4. Document the damage
   • Take photos and/or videos.
   • Save all damaged items, your insurance company may want to inspect them
   • Keep a list of the temporary repairs you make
   • Save all claim-related bills and receipts
   
   
5. Protect your belongings
   • Move wet items to drier areas
   • Place aluminum foil, coasters or wood blocks between furniture legs and wet floors
   • Remove area rugs from the floor; (dyes in them can stain floor)
   • Clean up as much water as possible with mops and/or towels

Already a Liberty Mutual customer? File a claim or contact customer support about water damage coverage and your policy. You can also visit our homeowners insurance claims center for more information.