You’ve Got Water Damage

Now What?

A pipe burst in the basement. It’s an unpleasant surprise to find after a cold night or when you return home from a winter vacation. Water has been leaking all over. Or, after a heavy rain, water is leaking through the roof into your living room. You’ve got water damage. We’re here to help.


File a Claim

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24 hours a day, 7 days a week


1. Be Safe

Make Safety Your First Priority

  • Do not use electrical equipment or appliances while standing on wet carpet or floors.
  • Never use electrical equipment that has been water damaged, even if you are using it in a dry area.

2. Stop the Leak or Drip

Prevent Further Damage

  • If the water is coming from a burst or leaking pipe, try to find the closest shut-off valve and turn it off.
  • If water is coming in through the roof or broken windows, try to cover as best you can with tarps or plastic sheeting.

3. Document the Damage

Take Note

  • Take photos and videos.
  • Save all damaged items. Your claims representative may want to inspect them.
  • Keep a list of temporary repairs you make.
  • Save all claim-related bills and receipts.

4. Protect Your Belongings

Clean Up

  • Move wet items to drier areas.
  • Place aluminum foil, coasters or wood blocks between furniture legs and wet carpeting.
  • Remove area rugs from the floor. Dyes in carpets can stain flooring, carpeting and wood floors.
  • Clean up as much water as possible by mopping or blotting with towels.
  • When safe to do so, use fans to circulate air and encourage drying.

5. Get It Fixed

After reporting your claim, you can use a water mitigation supplier of your choice to fix the damage. However we recommend using one of our program vendors. Talk to your claims representative about which option is best for you and how to proceed.

Learn more about how to prevent water damage in your home.

© 2017 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.