Standard Texas homeowners policies often cover sudden and accidental water discharge from plumbing or appliances, but generally exclude flood and slow leaks. Sewer backup is often an optional endorsement. Check your own policy and ask your agent.
What is usually covered
Many policies cover water damage from a sudden burst pipe, a failed water heater or an appliance hose that fails without warning. Wind or hail damage to a roof that lets rain in is also commonly covered, subject to deductibles.
What is usually not covered
Flood from rising water is generally excluded from standard homeowners policies. Long term seepage, lack of maintenance and wear and tear are often excluded too. Sewer or drain backup may need an endorsement.
Flood is a separate policy
Flood insurance is available through the National Flood Insurance Program and private insurers. FEMA reports that a large share of flood claims come from outside mapped high risk zones, so Houston homeowners often carry it regardless of zone. Read more in flood versus water damage insurance in Houston and see flood damage cleanup in Houston.
Steps that protect your claim
Report the loss quickly, document the damage, stop further damage with reasonable emergency steps, keep receipts, and do not throw away damaged items before they are photographed. Mitigation companies can provide moisture logs and invoices that support the claim. Start with emergency water damage restoration.
Where to get official help
The Texas Department of Insurance explains consumer rights and how to file complaints. This page is general information and not legal or insurance advice.
Frequently asked questions
Is a burst pipe covered in Texas?
Often yes for sudden bursts, but the pipe itself may not be covered. Read your policy.
Is mold covered?
Mold coverage is often limited. Ask your agent.
Do I need flood insurance?
If you want flood losses covered, you generally need a separate policy.
Sources and further reading
Related services
Burst Pipe Water Damage
Cleanup and drying after a frozen, split or failed pipe.
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Flood Damage Cleanup
Cleanup, removal and drying after rising water enters a Houston property.
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Fire and Smoke Damage Restoration
Soot, smoke odor and structural cleanup after a house, kitchen or business fire.
Learn moreGeneral information, not legal, insurance or engineering advice. Water Damage Restoration Houston does not perform the work.