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What Happens If a Contractor Causes Water Damage During Work?

Last updated October 26, 2026

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The short answer

Who Pays for the Damage

When a contractor causes water damage, the first question is usually who pays. The contractor's liability insurance might cover the cost, but that depends on their policy and the circumstances. You should also contact your own insurance company right away, because your homeowner's policy may provide coverage too.

Policies vary, and your insurer decides what is covered. Gather the contractor's contact information, their insurance details, and any contract you signed. Keep records of everything. Your insurance company will need this to process a claim, and the contractor's insurer will need it as well.

Document the Damage Thoroughly

Before any cleanup starts, take photos and videos of the water damage from every angle. Note the date and time the damage happened, what caused it, and which areas are affected. Write down any conversations you have with the contractor or their representatives. This documentation is your evidence.

If you live in Bellingham, keep a written log of the incident and store it with your policy documents. The pros can help you document the extent of the damage, which is useful for insurance claims. You might consider a water-damage-documentation service to ensure nothing is overlooked.

Stop Further Damage Quickly

Water damage gets worse the longer it sits. If it's safe, shut off the water source and move valuable items away from the affected area. Remove any standing water you can with towels or a wet vacuum. The goal is to limit the spread of moisture to walls, floors, and furniture.

You might also open windows to improve air circulation if the weather allows. Use fans or a dehumidifier if you have them, but avoid using electrical appliances near standing water. Keep a record of any temporary measures you take, as these efforts show your insurer that you acted responsibly to limit the damage.

Coordinate with the Contractor

Talk to the contractor about their insurance and how they plan to handle the situation. They might offer to fix the damage themselves, but that could be a conflict of interest. You need to ensure the work is done properly, so consider getting an independent assessment from the pros.

If the contractor agrees to cover the costs, get their agreement in writing. Specify what repairs will be done and who will perform them. You want to avoid any ambiguity about responsibility. The pros can provide a detailed report that outlines the necessary steps for restoration.

  • Take photos and videos before cleanup
  • Notify your insurer within 24 hours
  • Keep the contractor's insurance details
  • Move valuables away from water
  • Turn off the water source if safe
  • Save all receipts for temporary repairs

When to Contact the Pros

If the water damage is extensive, or if you're unsure about the safety of the structure, call local water damage pros for an inspection and assessment. They can evaluate the extent of the damage, check for hidden moisture, and recommend the right repairs. This is especially important if the water sat for more than 24 hours.

The pros can also help with structural water damage repair if the contractor's work compromised the building's integrity. Even if the contractor's insurance covers the cost, you want the repair work done by experienced professionals. That helps ensure the damage is fully addressed, not just patched over.

After the damage is resolved, take steps to avoid a repeat. If the contractor's work caused the issue, make sure any future contractors are properly vetted. Ask for references and check their insurance coverage before hiring. Also, know where your main water shutoff valve is located.

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Frequently asked questions

Should I file a claim with my insurance if a contractor caused the damage?

Yes, you should notify your insurance company even if the contractor's insurance might cover it. Your policy may provide coverage and can help you get the damage assessed quickly. Policies vary, and your insurer decides what is covered. Document everything and file a claim promptly.

Can I ask the contractor to fix the water damage themselves?

You can ask, but it's not always the right choice. The contractor may not have the right equipment or expertise for water damage restoration. An independent assessment from the pros can help you understand the full scope of the damage. If the contractor agrees, get the work plan in writing.

What if the contractor denies responsibility for the damage?

If the contractor denies responsibility, rely on your documentation and your insurance company. Your insurer may investigate and determine liability. Keep all evidence, including photos and written statements. The pros can provide a detailed assessment that supports your claim.

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