Start from what you can see, not from the trade name. Each answer explains what it usually means, the first safe step, who handles the repair and how urgent it is.
Water everywhere
Call nowA supply line, fixture, water heater or pipe has failed and is still delivering water into the property.
Do first: Shut off the main water valve, then cut power to any circuit near standing water.
Who to call: Plumber first, then water damage restoration
Sewage backing up
Call nowA blockage in the branch line or main sewer is forcing contaminated water back into the lowest drains in the home.
Do first: Stop using every drain and toilet in the house and keep people and pets out of the affected rooms.
Who to call: Plumber for the line, restoration for the cleanup
AC stopped cooling
Same dayCommon causes are a tripped breaker, a clogged condensate line, a failed capacitor or low refrigerant from a leak.
Do first: Check the breaker and the float switch, then set the fan to ON and see whether air still moves.
Who to call: HVAC technician
Burning electrical smell
Call nowOverheating conductors, a failing device or an arcing connection — this is a fire risk, not a nuisance.
Do first: Turn off the affected circuit at the panel, or the main if you cannot identify it, and leave if you see smoke.
Who to call: Licensed electrician
Power issue inside the home
Same dayRepeated trips, dead outlets, flickering or half the house without power usually point to a circuit, breaker or panel fault.
Do first: Reset the breaker once. If it trips again, leave it off and stop using that circuit.
Who to call: Licensed electrician
Roof actively leaking
Call nowWater is entering through damaged covering, flashing or a penetration and traveling along framing before it appears.
Do first: Move belongings clear, contain the water and photograph the damage before anything is removed.
Who to call: Roofer, plus restoration if ceilings are wet
Garage door stuck or broken
Same dayA snapped torsion spring, broken cable or failed opener — the door can be extremely heavy and under tension.
Do first: Stop cycling the opener and do not stand under or try to force a partially open door.
Who to call: Garage door technician
Locked out
Call nowA lost key, failed lock cylinder or broken key in the lock, at home or at the car.
Do first: Check every other entry point first, then have ID ready — locksmiths verify occupancy or ownership.
Who to call: Locksmith
Active pest infestation
SoonVisible activity indoors usually means an established harborage, an entry point or a moisture source feeding it.
Do first: Leave evidence in place for identification and avoid over-the-counter sprays that scatter the colony.
Who to call: Pest control operator