Fast action when you have a leak can minimize damage and save you money on costly repair bills.

There is never a good time to discover a water leak in your home. Whether it’s from a faulty roof or broken plumbing, knowing what to do right away can help limit damage and minimize the cost of repairs.

Safety first

You probably remember from junior high science that water and electricity are a dangerous mix. Before tackling a leak, take precaution to avoid electric shock and potential fire hazards by turning off any circuits that supply electricity to the area near the leak.

Identify the source and limit damage

The source of the water leak will determine what to do next.

A broken water line means shutting off the supply immediately to stop the flow of water. Then you can address cleanup and repair.

A leaky drainpipe can often be handled temporarily by putting a bucket or other container under problem spot, allowing you time to make the repair or call a professional

Leaky roofs are typically more complex. If the leak was caused by storm damage—for example, from a fallen tree limb—getting a tarp in place on top of the roof can prevent additional water from entering your home.

Leaks that appear due to an aging roof or improper installation of flashing or shingles are tougher to track down. The actual leak may be quite a distance from the place where you see water in your living space because water can run behind shingles and down rafters. A trip into the attic may be the only way to see where the leak is coming from.

If you can’t stop a roof leak right away, be sure to collect the incoming water with buckets and empty them as needed.

Call a professional if needed

Water leaks can be a formidable challenge for even the most skilled DIYer. Wrangling a tarp into place on a rooftop or exploring an attic is not for everyone. For most of us, calling a professional is a wise move because a licensed plumber or roofer will know the best way to correct a water leak, both short- and long-term.

Determine whether the damage is covered by homeowners insurance

If a leak causes significant damage, you may be covered by homeowners insurance. If the damage is “sudden and accidental” it’s more likely to be covered. Leaks as a result of gradual decline or aging are generally not covered. Policies vary so be sure to check with your insurance provider to determine your coverage.

A home equity line of credit can be used to repair leaks

If you find yourself facing unexpected repair bills from a water leak, you can access cash quickly with a Consumers home equity loan. Check out our limited-time promotions with low introductory rates.

Consumers helps thousands of members finance land, first and second homes, and home improvement projects each year. We’d love to help you with a mortgage or home equity line of credit; contact us online or call us at 800.991.2221.

*All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, and collateral conditions.