Filing a water-damage claim is confusing for homeowners — especially during an emergency. We've handled thousands of insurance claims with every major Texas carrier (Allstate, State Farm, USAA, Travelers, Liberty Mutual, Farmers, Nationwide, Progressive, and more). We do the heavy lifting so you can focus on your family.
What we do on every insurance-eligible job:
Free damage assessment — we document everything with photos, video, and moisture readings before any work starts.
Claim filing — we contact your carrier on your behalf, open the claim, and provide the documentation they need.
Direct adjuster coordination — when the adjuster comes out, we meet them on-site to walk them through the damage and scope of work.
Detailed estimates — using Xactimate (the same software adjusters use) so there's no estimate gap.
Direct billing — most carriers pay us directly. You only pay your deductible.
Supplement claims if needed — if hidden damage is found mid-restoration, we file a supplement so it's covered too.
Final paperwork — completion certificates, lien releases, photo documentation for the carrier file.
Most homeowners pay only their deductible — usually $1,000 to $2,500.
Even if you're not sure your damage is covered, we'll review your policy with you for free before any work starts.
What's Usually Covered
Standard Texas homeowners policies typically cover:
Burst pipes and frozen-pipe damage
Appliance leaks (dishwasher, washing machine, water heater)
Toilet overflows and supply line failures
Roof leaks from storm or wind damage
Sewage backup (with a backup rider — common in Texas)
Note: rising water (true flood from rivers, storm surge, ground water) requires a separate flood policy. We'll help you figure out what applies to your situation.