Rain through the roof or a wall
Catch the water, make the power safe near any wet ceiling or outlet, photograph it, and report it. Triple-I says wind-driven rain is covered by homeowners and renters insurance.1 Then fix where it got in: shingles, gutters, downspouts, or ground that slopes the wrong way.1,2
Free service. Call now and we'll connect you with a local restoration company. How it works
In order
Work through these
- 01
Keep away from wet wiring
If water is near a light fixture or outlet, switch off that power only from a dry spot, or call an electrician.3
- 02
Photograph where it shows
Take pictures of the stain, the drip and the damaged things before you clean. Keep the receipts for buckets, tarps and fans.4
- 03
Look at the gutters
Debris in gutters and downspouts sends water back toward the house; gutter guards help keep them clear.1
- 04
Check the ground outside
Water against the basement wall often starts with soil that slopes toward the house. The EPA says it should slope away.2
What insurance usually does
Rain from above versus water from below
From Triple-I and Washington's Insurance Commissioner. The policy wording is what counts.
Usually covered
How this works
What happens when you call
It is free to call, and calling commits you to nothing.
![A man in a rain jacket on a covered porch talks on the phone while rain pours over a clogged gutter behind him.]()
1You call
Tell them what happened and where. Have the address ready.
- 2
We connect you
A call network puts you through to an independent local restoration company that serves Olympia and is taking calls.
![A technician points to a water stain on a sloped bedroom ceiling beside a rain-streaked dormer window while the homeowner listens.]()
3They assess and quote
If you want a visit, they look at the damage and quote their own price. Ask for it in writing.
We are a free referral service, not a contractor. The company that answers sets its own prices. How this service works
Want a local company to look at it?
Free to call. An independent restoration company that serves Olympia answers, and you decide what happens next.
Call (360) 584-9136Olympia Water Damage Advice is a free referral and information service, not a contractor. Calls go through our call-tracking line to independent local restoration companies, and we may be paid when a call qualifies. We do not do the work and do not set prices or availability. How it works
Sources
Each numbered note on this page points here. We read every page on October 24, 2026. Where sources disagree we say so; where we could not find a source we left the claim out. We are not affiliated with any of these organizations.
- Triple-I (Insurance Information Institute), How to protect your home from water damage. No date shown (page copyright 2026). www.iii.org/article/how-to-protect-your-home-from-water-damage
- U.S. EPA, A Brief Guide to Mold, Moisture and Your Home. Page updated February 18, 2026. www.epa.gov/mold/brief-guide-mold-moisture-and-your-home
- CDC, Safety Guidelines: Reentering Your Flooded Home. Page updated August 24, 2026. www.cdc.gov/floods/safety/reentering-your-flooded-home-safety.html
- Triple-I (Insurance Information Institute), Settling insurance claims after a disaster. No date shown (page copyright 2026). www.iii.org/article/settling-insurance-claims-after-a-disaster
- Washington State Office of the Insurance Commissioner, Flood insurance. No date shown. www.insurance.wa.gov/flood-insurance