Water damage to your home can be expensive and time-consuming to repair. Homeowners insurance policies don't cover damage caused by floods and might not cover other types of water damage.
If you want coverage for damage caused by flood, you’ll have to buy flood insurance. You can get flood insurance through the National Flood Insurance Program (NFIP). If you want to buy flood insurance, contact your agent. You can visit the FloodSmart.gov to rate your flood risk.
You might be able to add coverage to your existing homeowners policy to cover things like:
- sewer or drain backup;
- sudden and accidental water damage from a plumbing, heating, or air conditioning system; and
- mold remediation.
It's important that you read your policy carefully to understand your policy's coverages and dollar limits. If you have questions, call your agent. You can also call the Texas Department of Insurance (TDI) Consumer Help Line at 1-800-252-3439.
After a Flood or Water Leak
Stop the water flow or leak as soon as possible. Remove pools of water and start drying the area to prevent additional damage.
Move wet items to a dry room or area with lots of fresh air. Pull up wet carpeting and rugs as soon as possible. If you move items outside, put them in a secure area to protect them from theft.
If you can't remove the water and dry the area quickly, consider using a service that specializes in cleaning up after water damage. Keep receipts from the cleanup and give them to your insurance company. The insurance company might pay you back.
Suzanne Brown Insurance Agency
A Texas Independent Insurance Agency with over 100 insurance carriers