Insurance Claim Tips

General tips, not legal or insurance advice. Your policy wording decides what's covered.

What's usually covered — and not

• Often covered: sudden, accidental damage like a burst pipe or a water heater that suddenly fails
• Often not covered: slow leaks over time, wear and tear, and lack of maintenance
• Flooding from rising outside water usually requires separate flood insurance (e.g., through the National Flood Insurance Program)
• Mold coverage is often limited — read your policy

Steps that help your claim

1. Stop the water and prevent further damage — policies usually require reasonable steps.
2. Photograph and video everything before cleanup.
3. Report the claim promptly and write down your claim number and adjuster's name.
4. Keep damaged items (or photos of them) until the adjuster says you can discard them.
5. Save every receipt — hotel, fans, emergency repairs.
6. Get the restorer's moisture readings and photo report in writing.

Know your rights

In Texas you generally choose your own contractor. The Texas Department of Insurance has consumer help if you have a problem with a claim.