Updated November 4, 2026
Why the first 48 hours matter
The CDC advises that if a wet home and its contents can't be dried within 24 to 48 hours, you should assume mold is growing. That doesn't mean panic. It means the early choices you make, in a clear order, can limit how much you have to tear out later.
This checklist is general information, not a substitute for your insurer's instructions, your policy, or a licensed professional's advice.
Step 1: Safety first
- Electricity. The CDC says never to turn power on or off, or use electric tools, while standing in water. If you can reach the main switch only through standing water, call an electrician. Have an electrician check the system before power is restored to a flooded home.
- Gas. If you smell gas, turn off the main valve if you can do so safely, open windows, and leave. Call from outside and do not create a spark.
- Structure. If the home may be structurally damaged, do not re-enter until a building inspector has examined it.
- Generators. Never run gas-powered engines indoors or in a garage, carport or porch, and keep them at least 20 feet from doors, windows and vents. Do not connect a generator to home wiring without an approved transfer device.
- Contaminated water. Floodwater can contain sewage. Wear rubber boots and protect yourself, and keep children and pets out.
Step 2: Stop the source and limit further damage
For a pipe or appliance leak, shut off the water at the main valve. For a roof leak, a temporary cover such as a tarp can help keep more rain out. Policies commonly expect you to take reasonable steps to protect the property, and FEMA's flood-claim guidance notes that mold damage may not be covered if you fail to limit mold growth. Keep receipts for emergency supplies and temporary repairs.
Step 3: Document before you clean up
FEMA's claim guidance recommends photographing and video-recording damage, standing water levels, and damaged items before you move or discard them. Organize by room. Photograph make, model and serial numbers of appliances and electronics. Keep small samples of damaged building materials for the adjuster. Keep receipts for everything you spend on emergency supplies and temporary repairs.
Throw away items that pose a health risk, such as spoiled food and soaked cushions, but photograph them first.
Step 4: Call your insurance company
Report the loss promptly, and put it in writing as well. Have your policy number and address ready. Ask about advance payments, and ask what the policy requires before you sign any cleanup or repair contract. Under Florida law, notice of a claim must reach your insurer within one year of the date of loss (18 months for a supplemental claim), but earlier is far better.
An adjuster should never ask you for money or collect your deductible, according to FEMA.
Step 5: Start drying
Once an electrician confirms it is safe, you can remove standing water with a wet-dry vacuum or pump. Open windows and doors if weather allows, and run fans and dehumidifiers. The CDC suggests pointing fans outward so spores aren't blown through the house, and says not to run a flooded HVAC system until a mold-experienced professional has cleaned it.
Most professional restoration crews follow industry standards from the IICRC, a nonprofit certification body, for water and drying work. A reputable company should be able to explain its drying plan and show moisture readings.
Step 6: Decide what DIY and what needs a pro
Small, clean-water leaks that are caught quickly may be manageable on your own. Larger losses, sewage, water that soaked walls or flooring, or anything left wet for more than a day or two often call for a licensed professional. If you hire a restoration company, see our guide on choosing a restoration company. Ask the insurer about coverage before signing contracts, and keep every invoice.
If you'd like help finding local pros, the free form on this site passes your request to TheBayPros. You are not obligated to hire anyone.
What to keep in a claim folder
- Your policy declarations page and the claim number.
- Photos and video organized by room.
- Names and dates of everyone you speak with at your insurer.
- Receipts for emergency supplies, hotel stays and temporary repairs.
- Estimates, invoices and the contractor's license and insurance information.
A simple folder, paper or digital, keeps you ready if the insurer asks for more information later.
Frequently asked questions
Should I turn off the electricity in a flooded house?
The CDC says to turn off power only if you can reach the main switch from a dry spot. If you would have to walk through water, call an electrician. Have the system inspected before restoring power.
Should I clean up before the adjuster arrives?
Document first with photos and video, and keep samples of damaged materials. You still need to protect the property from further damage. Ask your insurer what it expects.
How soon will mold start?
The CDC says to assume mold is growing if things can't be dried within 24 to 48 hours.
Can I use bleach?
The CDC says clean with water and detergent and never mix bleach with ammonia, which releases toxic vapors. Painting or caulking over mold won't stop it.