Step by step
| Step | Why |
|---|---|
| Make it safe: power off at the panel if water reached outlets | Electrical and structural hazards |
| Photograph and video everything before removing it | Your insurance claim depends on it |
| Call your flood insurer and your homeowners insurer | Flood and wind or rain damage are usually separate policies |
| Remove water, wet drywall, insulation and flooring | Mold can start within 24–48 hours |
| Keep receipts for cleanup and temporary housing | Many policies reimburse some costs |
| Ask the city about a substantial damage determination | Decides whether the house must be elevated |
| Rebuild with permits, using water-tolerant materials low down | Protects you next time and when you sell |
Avoid scams after a storm
- Get more than one written estimate
- Don’t pay in full up front
- Never sign a contract with blank spaces
- Be wary of anyone offering to waive your deductible: it’s illegal in Texas
Common questions
Does homeowners insurance cover flooding in Texas?
Usually not. Flood damage from rising water is typically covered only by a separate flood policy, such as through the National Flood Insurance Program.
How much of the drywall should be removed after a flood?
Commonly at least a foot or two above the waterline, plus all wet insulation. The goal is to remove everything that can’t dry quickly.
Sources
- Texas Department of Insurance: After hail or windstorms
- EPA: A brief guide to mold, moisture and your home
- Texas Department of Insurance: Roofing and insurance, know the law
This guide is general information, not legal, tax or financial advice. Rules change; confirm details with the agency named in the sources or a licensed professional.