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and flood insurance on our website. It's 
tdi.texas.gov. If you've got a specific

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is something you may also want look 
into purchasing for your property.

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No, they can differ policy to policy, so it's 
always best to know how your policy is going

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you to do some preventative measures to 
keep your property from further damage, so

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question that you can't find an answer to, you 
can always call our helpline at 800-252-3439.

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you think you do have coverage 
and you go to file your claim,

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You can ask questions all the time, so go 
ahead and talk to your agent or company.

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Not those examples. A flood policy 
will only cover flood damage,

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It can be. Again, I’m going to keep repeating it:

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“talk to your agent, talk to your company,” and 
ask those questions and have that conversation.

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Everyone could benefit from it. Unless you live 
on the second or third floors of an apartment,

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to cover water damage, and what's not going to 
be covered, because there are instances where

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It doesn't always have to be 
a frozen pipe; we've heard

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Why is it important for homeowners to 
try to understand the water coverage

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to you, and what part of the policy will address 
that, and make sure that you have a pretty clear

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and then maybe your homeowners 
covers what's inside? Exactly.

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read the policy. There could be an 
exclusion for it. We always say,

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cutting off the water line, so that that the water 
doesn't continue to run. Things like that that are

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What about flooding from something 
like a backed up sewer line? Is that

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having a flood policy help with the kinds 
of events that we've discussed today?

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things like hoses on appliances can fail 
and you end up with water on the floor.

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You don't have to be in a flood zone to purchase 
a flood policy. A good resource is the National

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does insurance pay for that kind of damage?

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that could be putting a tarp on the roof or 
boarding up a window. If there is a water break,

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any property could flood.

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(music)

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All policies, they'll want

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So, you need that separate flood 
policy for water that's outside,

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so things that happen inside the home, a 
flood policy is not going to cover. That

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Does everybody need flood insurance? Do you 
have to be in a flood zone to get coverage?

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slow down or prevent further damage, which is 
something the company is going to want you to do.

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What about our viewers that are 
renting their home? Do they need

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Most do, but it's always beneficial to read your 
policy and talk to your company, and talk to your

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If there's something that you're unsure about 
or what the policy says, have them point it out

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Flood Insurance Program (NFIP). But 
no, you don't have to be in a flood

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going to be covered by most home insurance, but 
what about water that comes from inside the house?

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that a little further. Anyone that has 
a home, that has property that could be

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Joining us to help understand those 
differences is Gammy Martinez,

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What about any steps that we can take to 
prevent or minimize water damage for our things?

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Well, thanks for doing this today Gammy. 
We've got a lot more information about home

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inside your home and we always want to remind 
you that rising water from a flood outside is not

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and it turns out that what you thought 
wasn't actually what the policy provided.

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I’m Ben Gonzalez and this is TDI. Well, 
today we're talking about water damage

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Do most home insurance policies 
cover water and mold damage?

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covered by your homeowners insurance?

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you just have to be prepared as to 
knowing what damage will be covered.

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Exactly, shower drains, any kind of pipe 
can definitely be a potential water claim.

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that might be able to provide more coverage. 
We always encourage you to read your policy.

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Hello Gammy, how’s it going?
Going alright sir.

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from TDI's Property and Casualty Section.

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in their home insurance policy? 
Are they not all the same?

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Definitely. Your furniture, your clothes, 
that can all be damaged when you're renting

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agent find out if there are limitations, and see 
if there's an endorsement that you can purchase

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We’ve been talking about homeowners and 
renters insurance, but before we let you go,

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that from the insurance perspective—losses 
that are out of the insurance control, that

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A lot of Texans had pipes burst due 
to the freezing weather last winter,

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Yeah, we recommend that for everyone 
out there. If it rains, it can flood.

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to be concerned about water damage as well?

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so you will want to continue to check your policy 
to make sure you have protection for your items.

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Most places, they will. The key terms are 
sudden and accidental. We usually consider

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could not be prevented or predicted. A bursting 
pipe is a very common example of that, and

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reasonable activities that you can take to

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(music)

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For Gammy Martinez, I’m Ben Gonzalez. This is TDI.

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understanding of how your policy will respond 
in the event that you do have some water damage.

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an apartment or a home, and the property 
owner's policy will not cover your stuff,

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we should probably touch on flood insurance. Would

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flooded, a flood policy could 
definitely be beneficial for you.

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zone. If you are in one, you might be at a 
greater risk, so you may want to look into