According to the Texas Department of Insurance (TDI), most homeowner’s insurance policies do not cover damages caused by flooding. It will be challenging to get coverage for such damage without a specific flood insurance policy through National Flood Insurance Program. Nevertheless, most homeowner’s insurance policies do cover damages caused by hurricane winds. Based on this, it is possible that you will be able to recover for water-related property damage if you can prove that wind allowed water to seep in and damage property where it otherwise would not have.

Because it can be difficult to pinpoint the source of water damage in any storm, particularly a storm as devastating as Hurricane Harvey, these types of insurance claims can become contentious. However, it is important to know that this option is available. Contact our team to find the personal injury lawyer in Houston, TX you need, or click here to visit TDI’s website for more information on the variety of insurance policies available to homeowners in Texas.