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What to Do When Your Apartment Has Water Damage

Last updated October 25, 2026

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The short answer

Stop the Water Source

The first step is to stop the water from flowing. If you can identify the source, like a burst pipe or an overflowing fixture, turn off the main water shutoff valve. In an apartment, the shutoff may be in your unit, a utility closet, or a shared area. If you live in Sammamish, keep the location of your shutoff valve written down so you can act fast.

If you cannot safely reach the shutoff or the leak is from a neighbor's unit, call your landlord or building management right away. They have the authority and access to shut off building-wide water. Do not enter a room where water is near electrical outlets or appliances. Your safety comes first.

Protect Your Belongings

Move your belongings out of the water's path. Lift furniture onto blocks or plastic sheeting to keep legs from soaking up moisture. Remove rugs, curtains, and any fabric items that can absorb water. Place valuables like electronics, documents, and photos in a dry, safe spot. The quicker you act, the less damage your items will suffer.

If water is dripping from the ceiling, place a bucket or container underneath to catch it and protect the floor. Do not attempt to move heavy furniture alone if it puts you at risk. Focus on the most valuable or sentimental items first. You can also use towels to soak up standing water, but be careful not to slip.

  • Turn off the water supply if you can find the shutoff valve.
  • Move furniture and electronics to a dry area.
  • Place buckets under leaks to catch dripping water.
  • Remove rugs and fabric items that can soak up moisture.
  • Document everything with photos for your records.
  • Call your landlord or building management immediately.

Document the Damage

Take photos and videos of the water damage before anything is cleaned up or moved. This visual evidence is important for your landlord and your insurance company. Capture the source of the leak, the affected areas, and any damaged belongings. Note the date and time of the incident. If you have a renters insurance policy, this documentation will help with any claim you file.

Keep a list of damaged items and their approximate value. This includes furniture, clothing, electronics, and personal items. Do not throw anything away until you have spoken with your landlord or insurance company. Policies vary, and your insurer decides what is covered. Check your policy to understand what you need to do next.

Contact Your Landlord

Your landlord or building management is responsible for repairing the structure and addressing the source of the water. Report the damage as soon as possible, in writing if you can. Provide your photos and a description of what happened. They should arrange for repairs and may need to bring in professionals to dry out the space.

If the damage is extensive, the pros may need to remove wet drywall or carpet to prevent mold. The work usually involves drying, cleaning, and repairing affected areas. Ask your landlord about the timeline and what you should do in the meantime. Keep records of all communication with your landlord.

Prevent Mold and Further Damage

Mold can start growing within a day or two of water damage. To slow it down, increase airflow by opening windows and using fans. Run a dehumidifier if you have one. Remove wet items like carpets or padding that cannot be dried quickly. If you see mold or smell a musty odor, let your landlord know immediately. The pros can handle mold cleanup safely.

Do not attempt to tear out wet drywall or carpet yourself unless you have permission. This is the landlord's responsibility, and doing it yourself could complicate your claim. If you have health concerns like asthma or allergies, see a doctor if you feel unwell. Your priority is to stay safe while the professionals handle the restoration.

Water damage does not wait

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Frequently asked questions

Who is responsible for fixing water damage in my apartment?

Your landlord is usually responsible for repairing the building and the source of the leak. You are typically responsible for your personal belongings unless you have renters insurance. Check your lease and your policy to understand your specific obligations.

Should I call my insurance company about apartment water damage?

Yes, if you have renters insurance, contact your insurance company to report the damage. They can tell you what is covered, such as your personal property. Policies vary, and your insurer decides what is covered. Document everything with photos and keep receipts.

Can I stay in my apartment during water damage repairs?

It depends on the extent of the damage. If the area is unsafe, like with electrical hazards or structural issues, you should not stay. Your landlord may need to provide alternative accommodations. Discuss this with your landlord and your insurance company to see what is available.

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