• Shut off power: Turn off electricity to the basement before entering standing water to avoid severe shocks.

• Stop the source: Shut off the main water valve if a broken pipe caused the issue.

• Save receipts: Keep all bills for rented drying equipment, fans, or professional water extraction services.

Documentation and Proof

• Take photos and videos: Capture wide shots of the water levels and close-ups of warped drywall, baseboards, and ruined flooring.

• List exact items: Record brand names, model numbers, and purchase dates for damaged personal property.

• Keep ruined items temporarily: Do not throw away high-value items until the adjuster inspects them, unless they pose a severe health hazard like raw sewage.

Policy Verification

• Check coverage types: Standard policies often exclude ground seepage or natural overland floods unless you bought specific riders for sewer backups.

• Call your broker fast: Open the claim within 24 to 48 hours to secure an official claim number.
• The suspected cause of the flood (sewer backup, pipe leak, or heavy rain)