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What Should I Do If a Contractor Caused Water Damage During a Project?

Last updated October 25, 2026

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The short answer

Document the Damage

As soon as you notice the water damage, take clear photos and videos of every affected area. Capture close-ups of wet drywall, stained ceilings, soaked flooring, and any standing water. Write down the date and time you discovered the damage, and note what the contractor was doing when it happened.

Keep a written log of all conversations with the contractor, including dates, times, and what was said. Save any emails, text messages, or written notes. This record helps you explain the situation to your insurance company and to any local water damage pros you bring in for cleanup.

  • Photograph water stains, warped wood, and damaged belongings
  • Note the source of water, such as a burst pipe or roof leak
  • Record the contractor's name and project details
  • Save receipts for any temporary repairs you make
  • Keep a list of damaged items with their estimated value

Tell the Contractor in Writing

Send the contractor a written notice describing the damage and when it occurred. Be factual and avoid accusations. Ask for their insurance information and any incident report they may have filed. Keep a copy of this notice for your records.

Give the contractor a reasonable chance to respond. They may have their own insurance that can cover the damage. If they refuse to cooperate, you can still file a claim with your own policy. Your insurance company will decide what is covered, not the contractor.

Contact Your Insurance Company

Call your insurance company as soon as possible to report the water damage. Provide them with your documentation and any details about the contractor. Ask about your coverage for water damage and whether the contractor's liability might apply.

Policies vary, and your insurer decides what is covered. They may send an adjuster to inspect the damage. Follow their instructions and keep all claim-related paperwork. If you need help with cleanup, local water damage pros can handle drying, drying, and repairs while you deal with the claim.

Mitigate Further Damage

Your priority is to stop the water and prevent mold. If a pipe burst, shut off the main water valve. If a roof leaks, place a bucket under the drip and tarp the area if safe. Move furniture and rugs away from wet areas, and use fans or dehumidifiers to help dry things out.

Do not enter rooms with sagging ceilings or standing water near electrical outlets. Turn off power to affected areas if it is safe. For significant water intrusion, the pros can set up drying equipment and remove waterlogged materials to reduce the risk of mold growth.

Get Help with Cleanup and Repairs

After you have documented everything and filed your claim, you may need professional help to dry out the structure and repair damage. Water can soak into drywall, wood, and insulation, leading to mold if not handled quickly. The pros can inspect the extent of the damage and recommend the right steps.

Depending on the damage, you might need drywall repair, ceiling restoration, or flooring work. Each situation is different, so ask the pros to explain what they find and what the work involves. Keep your insurance company informed about any major repairs you arrange.

Water damage does not wait

Call (313) 766-2970 any time, day or night, and describe what happened.

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Frequently asked questions

Can I sue the contractor for the water damage?

You may have legal options, but that depends on the contract and local laws. Start by documenting everything and contacting your insurance company. If you believe the contractor is at fault, you can seek legal advice from a qualified professional, but this page does not provide legal guidance.

Who pays for the water damage repairs?

It depends on the contractor's insurance and your own policy. Your insurance company will decide what is covered under your plan. The contractor's liability insurance may also apply if their work caused the damage. Check your policy and ask the contractor for their insurance details.

How soon should I file a claim?

File your claim as soon as possible after you discover the damage. Most policies have time limits for reporting claims. Delaying can make the situation worse, especially if mold develops. Act quickly to protect your home and your chances of coverage.

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