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Burst Pipe: First Steps to Take Right Now

Updated October 31, 2026 · General information, not plumbing or legal advice

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The short answer: 1) Shut off the main water valve. 2) If water is near electrical systems or damage is extensive, get out safely and consider shutting off the power. 3) Call a licensed plumber. 4) Photograph the damage before you clean up. 5) Dry the area fast to limit mold. 6) Contact your insurer.

Safety first. Never thaw a pipe with a torch or any open flame. They are a fire hazard and can release deadly carbon monoxide. Keep electrical cords away from water, and stay out of rooms where water is near outlets, panels or appliances.

Do this in order

Shut off the main water supply. Immediately shutting off the main valve stops the flow (Nationwide). Progressive adds: open faucets and flush toilets to release pressure in the lines. Illinois Extension and FEMA both say to learn where this valve is before you need it.
Assess safety. Progressive says if water damage is extensive or electrical systems are at risk, leave the home before anyone is seriously hurt. Nationwide says to first consider shutting off the power to avoid water-related electrical hazards. NC State Extension and Texas A&M AgriLife Extension also warn about electric shock risk in and around water.
Find the leak. Nationwide says to check the floor, ceiling and walls for signs like bulges (particularly in ceilings) and wet spots.
Call a licensed plumber. Progressive warns: do not attempt to repair a burst pipe yourself, as it can lead to more damage. See when to call a plumber.
Document the damage. Take photos of everything before you start cleaning up (Nationwide). Photograph wet walls, soaked carpets and damaged furniture or electronics, and keep receipts for repairs and temporary housing, plus notes from conversations with your insurer (Progressive).
Start cleanup quickly. Remove standing water with buckets, towels or a wet-dry vacuum, then dry the area with fans and dehumidifiers. Both insurers say speed limits mold.
Contact your insurer. Use your documentation to file a claim. An adjuster may want to see the damage in person (Nationwide).

Signs of a burst or leaking pipe (Progressive)

Hissing, whistling or banging in the walls.
New water stains on ceilings, walls or floors.
A sudden drop in water pressure throughout the home.
The sound of running or dripping water when no tap is on.

Is it covered?

Progressive says a homeowners policy may cover pipe-burst water damage if it was sudden and accidental, and typically won't if it was due to neglect or lack of maintenance. Nationwide says it depends on the situation and your policy. Read your policy and ask your insurer or agent. Progressive also suggests considering a professional water damage restoration and mold removal service.

Afterward

Ask your plumber about prevention such as insulating pipes or installing leak detection (Progressive). FEMA says water-leak sensors, emergency pressure release valves and automatic water shutoffs can help save your house from massive damage. See the prevention checklist.

Need a plumber for a burst pipe?

The Red Cross says to call a licensed plumber if you can't locate the frozen area, can't reach it, or can't thaw the pipe. Burst pipes also need a plumber.

When to call a plumber Find a licensed plumber near you

Protect your pipes before the next freeze

Pipe sleeves and UL-listed heat cable are the products Red Cross and extension services point to for exposed pipes. Read the label and follow the maker's instructions.

How to choose and use them See pipe insulation and faucet covers See UL-listed heat cable

Common questions

What is the first thing to do when a pipe bursts?

Shut off the main water supply to stop the flooding. Progressive also says to open faucets and flush toilets to release pressure in the lines.

Should I turn off the electricity?

Nationwide says you should first consider shutting off the power to your home to avoid water-related electrical hazards. Progressive says that if water damage is extensive or electrical systems are at risk, leave the home before anyone is seriously hurt.

Will homeowners insurance cover a burst pipe?

Progressive says your policy may cover water damage from a pipe burst if it was sudden and accidental, and typically won't if it was due to neglect or lack of maintenance. Nationwide says it depends on the situation and your policy. Read your own policy and ask your insurer.

How much water can a small crack release?

Illinois Extension says an eighth-of-an-inch crack in a pipe can release up to 250 gallons of water a day.

Sources