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Water damage in homes and businesses in Texas can result from various sources, including natural disasters and other incidents. The Texas Department of Insurance outlines that homeowner and renter policies typically cover sudden and accidental water damage, such as burst pipes or overflow incidents.
However, gradual leaks or seepage, along with flood-related damage, are usually not covered under standard policies. Homeowners may need separate flood insurance for such events, and additional coverage might be necessary for mold cleanup and testing..
Given Texas’s geographical and climatic conditions, the state is susceptible to multiple types of natural disasters that can cause significant water damage. These include hurricanes and typhoons, floods, and tornadoes, each of which can lead to extensive damage to property through inundation, structural impact, or the aftermath of the disaster.
Texas law also recognizes the responsibility of property owners for damage to neighboring property due to diversion of surface water, highlighting the legal considerations in managing water flow and damage.
Property owners in Texas need to be aware of these risks and take preventive measures, including proper insurance coverage and physical precautions against potential water damage. This might include installing drainage systems, reinforcing structures against storms, and being prepared for quick action in the event of a disaster.