What Does Texas Homeowners Insurance Usually Cover?
The key phrase in almost every standard Texas homeowners insurance policy (HO-A, HO-B, and HO-3) is "sudden and accidental." If water suddenly escapes from a plumbing system, appliance, HVAC unit, or storm-damaged opening, the resulting water extraction, structural drying, and wall/floor repairs are typically covered.
Usually Covered by Insurance
- Burst or frozen plumbing pipes inside walls, attics, or slabs
- Sudden tank water heater ruptures and overflows
- Washing machine hose, dishwasher, or ice-maker line blowouts
- Overflowing AC condensate drain pans damaging ceilings
- Rain entering through wind- or hail-damaged roofs/windows
- Sudden toilet or drain overflows (with water backup coverage)
Usually Excluded (Or Needs a Rider)
- Rising outside floodwater from lakes or creeks (requires separate Flood Insurance)
- Long-term neglect where a leak was ignored for months until wood rotted
- The plumber's small invoice to replace the worn-out 6-inch pipe fitting itself (though all the water cleanup and drying IS covered!)
Why You Should Never Wait for an Adjuster Before Drying Your Home
One of the biggest mistakes homeowners make is leaving wet carpets and soggy drywall sitting for four or five days while waiting for an insurance adjuster to visit in person.
Every Texas homeowners policy includes a clause called "Duties After Loss" (or Duty to Mitigate). It actually requires the homeowner to take immediate reasonable steps—like calling an emergency water extraction company—to stop the water from causing secondary mold and structural damage. If you wait a week and mold ruins the house, the insurance company can refuse to pay for the avoidable damage caused by waiting.
How We Make Your Insurance Claim Smooth & Easy
Complete Photo & Thermal Camera Proof
Before we move a single piece of wet carpet pad, we photograph the source of the leak and take FLIR thermal images showing the exact footprint of moisture.
Daily Psychrometric & Moisture Meter Logs
Insurance desk adjusters approve claims based on data. We send them complete daily moisture charts proving why each dehumidifier and air mover was needed.
Direct Insurance Billing
We use standard insurance estimating software (Xactimate) that every major carrier recognizes and submit our documentation directly to your adjuster so you aren't stuck playing middleman.