How to File a Water Damage Insurance Claim in Texas

Filing a claim correctly in the first 24-48 hours makes a real difference in how smoothly it goes. Here’s the process, in order.

1. Stop the source of water if it’s safe to do so

Shut off the main water valve for a plumbing issue, or the water heater supply for a tank failure. Don’t attempt this near electrical panels or standing water if there’s any shock risk — call an electrician or your utility first.

2. Document everything before you touch anything

Photos and video of the damage, the source (like the burst pipe itself), and any affected belongings — before cleanup starts. Insurers weigh this documentation heavily when reviewing a claim.

3. Call your insurance company

Most homeowner’s and renter’s policies have a claims hotline. Ask directly: is this type of damage covered, is there a deductible, and do they require you to use an approved contractor list or can you choose your own.

4. Get a professional assessment

A licensed water damage restoration company can document moisture levels, affected materials, and the scope of repair needed — this report is often what the adjuster relies on.

5. Keep records of every cost

Temporary repairs, hotel stays if the home is unlivable, and restoration invoices should all be kept — many policies reimburse “additional living expenses” during repairs.

What’s usually covered vs. not

Sudden, accidental damage — like a pipe that bursts without warning — is typically covered under standard homeowner’s policies. Damage from long-term neglect, gradual leaks you knew about, or flooding from an external source (rivers, storm surge) usually requires separate flood insurance. Always confirm specifics with your provider; policies vary.

Frequently Asked Questions

Will filing a claim raise my premium?

It can, depending on your insurer and claims history. Ask your agent directly before filing if this is a concern for a smaller, borderline claim.

Do I have to use the contractor my insurer recommends?

In most cases, no — you have the right to choose your own licensed contractor in Texas. Confirm this with your specific policy.

How long do I have to file a claim?

This varies by insurer and policy, but sooner is always better — delays can be used to question whether damage was pre-existing.