What to Do If Your Property Is Affected by Water Damage or Mould

Mould appearing a brick wall

If your home has been affected by a storm, flood, burst pipe or other sudden water event, it's important to act quickly and safely. The steps you take can help reduce further damage and support your insurance claim.

5 Steps to Take After Water Damage

1. Put Safety First

Your safety is the top priority.

  • Avoid entering unsafe areas.
  • Follow any emergency or safety advice.
  • Do not do anything that could put you or your family at risk.

2. Contact Your Insurer

Report the damage as soon as possible.
Before cleaning up:

  • Take photos and videos of affected areas.
  • Document damaged belongings.
  • Do not start repairs until your insurer has assessed the damage.

3. Prevent Further Damage

If it's safe to do so:

  • Keep the area ventilated.
  • Remove wet items that may deteriorate further.
  • Double-bag mould-affected items before moving them.
  • Follow advice from your insurer or restoration specialist.

4. Allow the Property to Be Assessed

DSH Insurance may arrange an inspection to determine:

  • Whether moisture remains in the building
  • If drying equipment is needed
  • Whether materials can be cleaned or need replacing
  • If mould or contamination is present

Every property is different, and the assessment helps determine what action is required.

5. Repairs and Recovery

Following assessment and any necessary drying or remediation work, repairs can begin.
Not every property will require extensive drying, mould treatment or removal of building materials. Decisions are based on the condition of the property and inspection findings.

Why Assessment Matters

A professional assessment helps:

  • Identify hidden moisture
  • Determine whether drying or remediation is needed
  • Reduce the risk of future mould issues
  • Support a safe and effective repair process
  • Avoid unnecessary work and disruption

Every water damage claim is different

The impact of water damage varies from property to property. While quick reporting is important, the best course of action is to contact DSH Insurance, document the damage and allow the property to be professionally assessed before repairs begin.
Source: Insurance Council of Australia (ICA). Content adapted and summarised from ICA consumer guidance on water damage and mould remediation. Click here for the ICA article.