Does homeowners insurance cover water damage in Texas?

Does Homeowners Insurance Cover Water Damage in Texas?

The short answer: it depends on the cause. Texas homeowners insurance covers some water damage events and excludes others. Here's how to think about it.

Typically covered:

• Burst pipes (sudden and accidental)
• Appliance failures (washing machine, dishwasher, water heater)
• Roof breaches from wind or hail (storm damage)
• Accidental overflow from sinks or tubs

Typically NOT covered:

• Gradual leaks (a slow drip under the sink that went unnoticed for months)
• Flooding from outside sources (rising water, storm surge) — this requires separate flood insurance through NFIP or a private carrier
• Sewage backup — often requires a separate endorsement; check your declarations page for "water backup" coverage
• Neglect or deferred maintenance

What to do after a water damage event in Midland TX:

1. Call your insurance company to report the claim
2. Call us at (432) 289-5929 to start the restoration — don't wait for the adjuster to visit before beginning extraction
3. Document everything with photos before anything is moved or cleaned

We work directly with adjusters from all major carriers operating in Texas. We provide Xactimate-compatible documentation — photos, moisture logs, line-item scope of work — so your adjuster has everything they need. We can't guarantee what your policy covers, but we make the process as smooth as possible.

Call (432) 289-5929 for a free quote and we'll walk you through the insurance process.