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Understanding Homeowner’s Insurance Coverage for Water Damage in Texas

When facing the aftermath of a natural disaster or external force in Texas, such as severe storms or flooding, property damage can be devastating. In the Lone Star State, water damage claims rank among the most common issues encountered by homeowners. Statistics reveal that approximately 1 in 50 Texas homeowners file water damage claims each year. As a homeowner in Texas, it’s crucial to navigate the insurance process effectively to ensure coverage for the damages incurred.

Our legal experts, serving Fort Lauderdale and Houston, provide insights into the steps homeowners should take before filing a water damage claim in Texas.

Identify the Source of Water Damage

Swiftly identify and address the source of water damage. Taking immediate action to locate and halt the flow is essential in preventing further damage and potential issues like mold infestation. Water damage in Texas can result from various sources, including:

1. Broken pipes.

2. Sewer backup.

3. Roof leaks.

4. Coastal flooding.

Document Damages

After the water damage occurs, preserve crucial evidence by thoroughly documenting the aftermath through photographs and videos. In Texas, water damage extends beyond simple leaks, impacting the structure, landscape, and personal belongings.

Review Your Homeowner’s Insurance Policy

Fortunately, most homeowner’s insurance policies in Texas cover certain types of water damage, although coverage varies. To navigate the insurance claim process effectively, homeowners should:

1. Understand their policy.

2. Evaluate damages in relation to coverage.

Commonly covered types of water damage include sudden or accidental discharge, such as:

1. Bursting pipes.

2. Water damage from roof leaks.

3. Accidental leaks.

However, it’s essential to note that homeowner’s insurance typically does not cover water damage caused by:

1. Coastal flooding.

2. Flood damage.

3. Water damage due to lack of maintenance in the home.

By being proactive and informed, Texas homeowners can ensure their insurance policies adequately address potential water damage scenarios. If you have any questions or concerns, feel free to reach out to our team for expert guidance tailored to the Texas context.


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