Document the situation

When safe, photograph damage, list affected items and keep receipts for emergency work and necessary living expenses. Take reasonable steps to prevent further damage without putting yourself at risk. Contact your insurer promptly and ask what you may repair before an adjuster reviews the property.

Understand the decision

Ask which policy section applies, what deductible and limits are used, and what evidence is needed. Keep notes of calls and copies of documents. If you disagree with a decision, ask for a written explanation and the insurer's complaint process.

After a kitchen leak

First make the area safe and stop further water if possible. Photograph the visible damage, save emergency service receipts and contact the insurer promptly. Ask which repairs can begin immediately and which require inspection. Keep a simple timeline of actions and calls to help the adjuster understand the event.

Quick check

  • Photograph safely
  • Save receipts
  • Request written claim details
Primary sources

General educational content, reviewed September 28, 2026. Rules, availability and policy wording can change. Confirm current details with the linked authority or a licensed insurer or broker.