File a Claim If Pipes Burst Due to Texas Cold Weather
Texas cold snaps can cause pipes to freeze, burst, and flood homes within minutes. If this happens, act quickly and document the damage properly to help protect your home and maximize your insurance claim.
Step 1: Stop the Water and Prevent Further Damage
As soon as you discover a burst pipe, shut off your home’s main water supply to prevent additional flooding. If it’s safe, turn off electricity in affected areas to reduce the risk of electrical hazards. Move furniture, valuables, and personal items away from standing water if possible.
Taking quick action can limit damage and show your insurer that you made reasonable efforts to mitigate losses.
Step 2: Document the Damage Thoroughly
Before beginning major cleanup, take clear photos and videos of all affected areas. Capture:
- The burst pipe
- Water-damaged walls, floors, and ceilings
- Damaged furniture, appliances, and personal belongings
- Any standing water or mold concerns
Keep a written record of when the damage occurred and what steps you took afterward. This documentation will be critical for your insurance adjuster.
Step 3: Review Your Home Insurance Policy
Most Texas homeowners' insurance policies cover sudden and accidental water damage from burst pipes, provided homeowners took reasonable steps to prevent freezing (such as maintaining heat). However, insurers may deny claims if they believe damage resulted from neglect, lack of maintenance, or prolonged vacancy without proper precautions.
Understanding your deductible, coverage limits, and exclusions helps set realistic expectations.
Step 4: Contact Your Insurance Company Promptly
Report the claim as soon as possible through your insurer’s claims hotline, website, or mobile app. Be prepared to provide:
- Your policy number
- Date and cause of the loss
- Description of the damage
- Photos and repair estimates (if available)
Prompt reporting helps avoid delays and supports your case.
Step 5: Make Temporary Repairs, But Keep Receipts
You can make temporary repairs to prevent further damage—such as hiring a plumber, extracting water, or boarding up affected areas. Save all receipts for emergency services, repairs, and cleanup costs, as these may be reimbursable under your policy. Avoid making permanent repairs until the adjuster inspects the damage, unless waiting would worsen the situation.
Step 6: Cooperate With the Insurance Adjuster
An insurance adjuster will likely inspect your property to assess damage and estimate repair costs. Be honest, provide all documentation, and point out every affected area. Keep copies of all communications and repair estimates. If you disagree with the insurer’s valuation or coverage decision, you may request a reinspection or seek legal guidance.
Step 7: Consider Legal Help if Your Claim Is Denied or Underpaid
If your claim is delayed, denied, or undervalued—especially after widespread Texas freeze events—consulting an insurance attorney may help you challenge unfair decisions and pursue full compensation.
