First-hour checklist for water, fire or smoke damage

Print it, stick it by the water heater, and leave a copy in every rental. Five short sections: safety, stop the damage, document, make the calls, protect what you can.

Facts checked October 8, 2026

1. Safety first

  • Fire or gas smell: get out and call 911. Go back in only when the fire department says it's safe.
  • Standing water near outlets, cords or appliances: stay out. Turn off power at the breaker only from a dry spot.
  • Sagging ceiling: keep everyone out of the room.
  • Sewage: keep kids and pets away. The EPA says contaminated water is a job for professionals (EPA).

2. Stop the damage

  • Water: close the fixture valve or the main shutoff. Open faucets to drain the lines.
  • Portland meter-side break or a shutoff you can't close: Portland Water Bureau 24-hour line, 503-823-4874, option 1 (Portland Water Bureau).
  • Fire: board up broken windows and doors and tarp roof openings.
  • Keep the furnace and air conditioning off after a fire or heavy smoke.

3. Document before anything moves

  • Video walk-through of every affected room, starting outside.
  • Wide photos of each room, then close-ups of damage and serial numbers on appliances and electronics.
  • Photograph the source: the burst pipe, failed hose, roof hole or burn point.
  • Keep failed parts if you can, like a split supply line.
  • Save every receipt: tarps, fans, hotel, meals, pet boarding.

4. Make the calls

  • Your insurer: report the claim. Write down the claim number and adjuster's name.
  • A restoration crew to start mitigation. You can request one here.
  • A plumber or electrician if the source needs repair.
  • Your landlord or property manager, if you rent.

5. Protect what you can

  • Lift rugs, electronics, papers and photos off wet floors.
  • Put foil or wood blocks under furniture legs.
  • Open windows if the weather is dry. Close them if it's raining.
  • Throw out food exposed to heat, smoke or chemicals (Red Cross).
  • Handling ash? Wear an N95. Cloth masks and bandanas don't filter fine ash (Oregon DEQ/OHA).

Don't

  • Don't use a household vacuum on water.
  • Don't use a leaf blower or dry-sweep ash (EPA).
  • Don't scrub soot off walls, carpet or upholstery.
  • Don't make permanent repairs before your insurer inspects (Oregon DFR). Drying and board-up are fine.
  • Don't wait days to start drying. The EPA's window to dry materials before mold usually grows is 24 to 48 hours (EPA).

Ready for a crew?

Sources

Every figure on this page links to the source above it. Facts checked October 8, 2026. Costs from national sites are estimates, not quotes.

  1. Mold cleanup in your home. U.S. Environmental Protection Agency, updated Jun 4, 2026.
  2. What to do if water pipes freeze, leak or burst as temperatures rise. Portland Water Bureau, Jan 16, 2024 (updated Jan 19, 2024).
  3. Wildfire safety. American Red Cross, accessed Oct 2026.
  4. Advice for returning to a home that survived a wildfire. Oregon DEQ, Oregon Health Authority and Oregon OSHA, accessed Oct 2026.
  5. Protect yourself from ash. U.S. Environmental Protection Agency, updated Jul 28, 2026.
  6. Storm damage and your insurance. Oregon Division of Financial Regulation, accessed Oct 2026.
  7. A brief guide to mold, moisture and your home. U.S. Environmental Protection Agency, updated Feb 18, 2026.