For anything beyond a small, quickly contained spill, this is usually your most important call. Many operate around the clock, extract the water, dry the structure with commercial fans and dehumidifiers, and treat the area to prevent mold. Most work directly with insurance, which makes the claim smoother.

If the water came from a pipe, water heater, supply line, or fixture, a licensed plumber finds and fixes the source so it does not happen again. Get the leak repaired before you spend money drying everything out.

Open a claim early. Most standard policies cover sudden, accidental water damage like a burst pipe, but generally not gradual leaks or flooding from outside water, which usually needs separate flood insurance. Read your policy or ask your agent, and take photos before anything is cleaned up.

Notify your landlord or property manager right away, in writing if you can. They are typically responsible for the building, and their insurance usually covers the structure. Your renter policy covers your belongings.

If water reached outlets, wiring, or a panel, have a licensed electrician inspect before you turn power back on in that area. Wet electrical components can be unsafe even after they look dry.

Mold can begin to grow within 24 to 48 hours. If the area was wet for a while, or you see or smell mold afterward, a remediation company can test, remove it, and keep it from spreading. Drying quickly is the best way to avoid needing this at all.

Only for the more serious cases. If water came in through the foundation, or you notice new cracks, shifting, or doors and windows that suddenly stick, they can assess the damage. For most burst-pipe or appliance floods, you will not need them.