After a flood or fire: first steps for NYC and Long Island property owners
Updated October 25, 2026
In short
Make it safe, document everything before anything is thrown out, call your insurer, and start drying within a day or two. Have wiring that got wet checked by a licensed electrician before power goes back on.
First 24 hours
- Stay out if there is structural damage, standing water near outlets or a gas smell
- Keep the power off to affected areas until an electrician checks them
- Photograph and video every room and damaged item before cleanup
- Call your insurance company and write down the claim number
- Stop more water getting in: tarp the roof, board openings
Drying and demolition
Wet drywall, insulation and carpet usually have to come out quickly to prevent mold. Moisture readings show what can stay. Fast drying keeps the repair smaller.
Working with insurance
Your adjuster decides what the policy covers. A clear written scope, photos and line-item estimates make that conversation easier. Flood damage is usually covered only by flood insurance, not a standard homeowner's policy.
Rebuild smarter
In basements and garden levels, moisture-resistant drywall, vinyl plank flooring and raised outlets cost little extra and reduce damage next time.
Questions
Can I turn the power back on myself?
Not if outlets, panels or wiring got wet. Have a licensed electrician check them first; in NYC some repairs also need a permit and inspection.
Do you deal with the insurance company?
We document the damage and give your adjuster the scope and estimates. We are not public adjusters and cannot negotiate your claim.
General information, not legal or engineering advice. Rules change and every building is different. Check with the Department of Buildings, your town or your building management.