Short answer
Texas homeowners policies usually cover sudden, accidental water damage like a burst pipe, and usually exclude gradual leaks, flood water from outside and sewer backup unless you added an endorsement. Document everything and report quickly.What's usually covered
Sudden and accidental discharge from plumbing, appliances or HVAC, plus the cost of drying and repairing damage it caused.
- Burst supply lines
- Water heater failures
- Washer hose bursts
- Ice-dam or freeze bursts in heated homes
What's usually excluded
Gradual leaks over weeks or months, flood water from outside, and sewer or drain backup without a water backup endorsement. Mold coverage is often capped.
How to document
Photos and video before cleanup, the restoration company's moisture logs, receipts, and a list of damaged contents with ages and costs.
Working with the adjuster
Restoration companies commonly bill using Xactimate, the estimating software most insurers use. Ask the company to share its drying logs and photos with your adjuster.
Questions
Do I have to use the insurer's preferred restoration company?
In Texas you generally choose your own contractor. The insurer may suggest a preferred vendor, but you aren't required to use it.
Will a water claim raise my premium?
It can. Small losses may cost less to pay yourself than the long-term premium impact; ask your agent.
This guide is general information for Texas homeowners, not legal, insurance or professional advice. Check your policy and local rules.