Texas · Water has four different doors
A pipe that bursts, rain through a wind opening, a backed-up drain, and flood are not the same coverage. Mold is paid only as part of a covered repair. This page will not invent a mold dollar cap.
On an HO-3, a sudden discharge from a plumbing or appliance system can cover the resulting damage. The worn-out part often is not covered. Continuous seepage is commonly excluded. If wind or hail opens the house and rain comes through that opening, the claim is the wind peril. Water that runs in over the ground, including storm surge, is flood. Flood is excluded on the homeowners form whether or not you are in a mapped zone. TDI has noted that in Hurricane Harvey, more than half of the flooded homes were outside high-risk zones. Sewer or drain backup is a sublimit endorsement. It is not the dwelling limit, and it is not flood.
Which form you have: policy types and HO-3 and HO-2. The excluded water: Texas flood and second homes. Why a crack is not automatically covered: foundation damage. The hub: Texas homeowners.
