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Disaster Recovery Checklist: The First 7 Days After Major Damage

Last updated October 25, 2026

The short answer

Day One: Safety First

Turn off water and electricity if it is safe to do so. If you smell gas or see sparks, leave the building and call emergency services from outside. Wear sturdy shoes, gloves, and a mask before entering any damaged area.

Check for sagging ceilings, loose flooring, or unstable walls. Do not walk through standing water if you are unsure about live wires. See a doctor if you feel unwell from fumes, mold, or stress. Your health matters more than any item in the home.

Document Everything for Your Insurer

Take photos and videos of every damaged room, item, and surface before you move anything. Capture wide shots and close-ups. Write down what you see, including water lines, stains, and ruined belongings. Keep a running list as you notice more damage.

Contact your insurance company within the first day or two. Ask what documentation they need and what steps are required before you start cleanup. Policies vary, and your insurer decides what is covered. Keep receipts for any supplies you buy, such as buckets or fans.

  • Photograph each room from multiple angles
  • Record serial numbers of damaged appliances
  • Note the date and time damage began
  • Save receipts for temporary repairs
  • Keep a daily damage log
  • Do not throw away damaged items until told

Stop Further Water Damage

If a pipe burst, locate your main shutoff valve and turn it off. If you live in Burnsville, keep your shutoff valve location written down. For roof leaks, place buckets under drips and remove soaked items from the area.

Move books, papers, and electronics to a dry spot. Use towels and mops to soak up standing water. Open windows to increase airflow if the weather allows. Do not use a regular vacuum on wet surfaces. Leave major drying to the pros who have industrial equipment.

Protect Your Belongings

Lift furniture off wet carpet using blocks or foil. Hang wet curtains and clothing to dry, but do not try to save everything. Some materials, like drywall and insulation, absorb water and must be removed. Focus on items with sentimental or high monetary value.

Separate salvageable items from unsalvageable ones. Clean mud and debris off hard surfaces with mild soap and water. Do not use bleach on porous items, as it can cause fading or damage. Store damaged items outside or in a garage if they smell musty.

Plan the Restoration Work

By day three or four, you should have a clear picture of the damage. Talk to local water damage pros about drying, removing affected materials, and preventing mold. Ask them what steps they usually take and what you should expect. Work may take several days or weeks depending on the damage.

Keep a checklist of tasks you can do yourself, like moving boxes or cleaning non-porous surfaces. Let the pros handle structural drying and demolition. Check with your insurance company before authorizing large repairs. Continue documenting every action you take.

  • Call your insurer before major work begins
  • Ask pros about drying equipment and timelines
  • Remove wet carpet and padding in sections
  • Dispose of soaked drywall and insulation safely
  • Keep the home ventilated as much as possible
  • Review your policy for coverage limits and deadlines

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Frequently asked questions

Should I throw away wet items right away?

Do not throw away anything until your insurance company has seen your documentation. Take photos and list every item first. Some items may be salvageable, and your insurer may need proof of loss. Keep damaged goods in a separate area if possible.

How long does drying usually take?

Drying time depends on the extent of water damage, materials, and weather. It can take several days to weeks. The pros use fans, dehumidifiers, and moisture meters to speed the process. You can help by keeping windows open and removing wet items.

What should I do if mold appears in the first week?

If you see mold growing, avoid touching it and limit your exposure. Small patches on hard surfaces can be cleaned with soap and water. Larger areas or mold inside walls need a mold professional. See a doctor if you have breathing problems or allergic reactions.

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