Document the damage
before the scene changes.

01

Take these photos before cleanup starts

02

Keep every estimate, reading and approval together

Ask for written estimates, change approvals, moisture records, equipment dates and a clear separation between mitigation and reconstruction. Keep insurer and provider communications together.

03

Your insurer—not this guide—decides coverage

Texas Department of Insurance guidance notes that many policies treat sudden accidental water damage differently from gradual leaks and outside flooding. The policy and facts control. Confirm coverage directly with the insurer.