It depends on where the water came from and how it happened. This is general information, not legal or insurance advice, so always read your own policy and talk to your agent.
What is usually covered
Most Texas homeowners policies are written to cover sudden and accidental water damage, for example a supply line that bursts, a water heater that fails, or a pipe that breaks in a freeze. The covered part is typically the resulting damage to your home, minus your deductible.
What is often not covered
- Flooding from rising surface water. This usually requires separate flood insurance.
- Long-term leaks that went unnoticed or unrepaired.
- Wear and tear, such as an old roof or corroded pipe, although the water damage it causes may be treated differently.
- Sewer backup, unless you added a water backup endorsement.
- Mold, which many policies limit.
How to protect your claim
- Stop the water and make the home safe.
- Take photos and video of everything before anything is moved or removed.
- Call your insurer or agent and get a claim number.
- Start mitigation. Policies generally expect you to prevent further damage, so drying should not wait for the adjuster.
- Keep receipts, damaged parts, and the restoration company's moisture logs.
North Dallas Water Damage documents moisture readings, photos, and work for your adjuster on every water damage job.