What is Not Covered Under My Texas Homeowner's Insurance?

There is no such thing as perfection, especially in the world of homeowner’s insurance policies. Texas homeowners can scour the market far and wide for an ideal policy and still wind up missing some common forms of damage. The reality is that finding a 100% all-risk policy is next to impossible. The most you can do is find one that you think works best for your situation, and understand losses that might not be covered.

Most Texas homeowner’s insurance policies will not cover losses caused by:

1. Regular wear and tear: Just living in a home is enough to cause damage to it. Small little problems usually need to be paid for out of your own pocket.
2. Floods and earthquakes: Although these two forms of natural disaster might seem common enough to be included, they probably aren’t on a default policy. Always double-check to see if you are covered.
3. Pests: Rats, mice, termites, and other sorts of vermin and insects can cause significant damage to your home and property that is not covered by your insurance policy.
4. Frozen pipes: The winters can get cold in Texas. Busted, frozen pipes will not be covered unless you took the time to turn off the water or keep the heat continuously running while the home was unoccupied.
5. Seeping water: A pipe that is constantly leaking needs to be addressed readily. Any damage it causes may be put on your shoulders for not taking steps to fix it.
6. Landscaping: Most damage to trees and shrubbery on your property will not be covered, especially in cases where a natural disaster or storm caused the harm.
7. Mold: This dangerous substance will only be covered by the average policy if it originates from water damage that is covered as well.

Now that you have a broader understanding of what might not be covered by your homeowner’s insurance policy, it might be time to take a closer look at what is covered. If you need assistance or if you are currently in a legal battle with your insurance provider, the Dick Law Firm can help. Contact our Houston insurance bad faith attorney today by dialing 833-7RIGHTS!