The cause and the policy both matter.
Texas Department of Insurance guidance distinguishes sudden accidental water damage from flooding and ongoing leaks. Policies vary. Explain the facts accurately and ask your insurer which policy provisions apply.
Cleanup is not a coverage decision.
Houston Water Recovery does not adjust claims, sell insurance, or promise payment. Restoration professionals explain their work; your insurer determines policy coverage.
Keep a useful damage record.
- Dated photos and video taken from safe locations.
- A timeline of when damage was noticed and any known source.
- Claim number and a record of conversations.
- Estimates, work authorizations, receipts, and invoices.
- Any equipment or moisture records supplied by the provider.
Questions for your insurer.
- Which coverage and deductible may apply?
- What documentation do you need before damaged items are removed?
- How should emergency mitigation and later repairs be handled?
- Are additional living expenses relevant to this claim?
- Who should receive the estimates and invoices?
Questions for the restoration provider.
Ask whether the estimate includes extraction, material removal, drying equipment, monitoring, contents handling, and reconstruction. Confirm who is responsible for payment if insurance covers only part of the work or denies the claim.
Use the printable damage checklist →
Official resources: TDI: help after a storm · TDI: home insurance guide.
Content reviewed September 10, 2026.
Content reviewed September 10, 2026.