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Texas Department of Insurance
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November 18, 2021

Does insurance cover water damage caused by burst pipes?

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When Winter Storm Uri covered Texas in ice and snow in February 2021, it caused more than $8 billion in insured losses. Texans filed more than 450,000 insurance claims after the storm. A lot of that damage was caused by water from broken pipes.

In our latest video, we asked our Property and Casualty Division what Texans need to know about insurance coverage for water damage.

  • Most homeowners policies cover water damage from leaks and broken pipes, but there are exceptions. Always read your policy to see what’s covered.
  • If you rent, the owner’s policy won’t cover your furniture, electronics, clothing, or other personal items. Consider buying renters insurance to cover your things.
  • If you have a leak, turn the water off at the main and move expensive items off the floor. Your insurer may deny your claim if you don’t protect your property.
  • Home and renter’s insurance only cover leaks that happen inside your home. They don’t cover flood damage. You need a separate policy to cover flooding. Visit floodsmart.gov for more information.

For tips about damages caused by issues like burst pipes, see When are Water Damage and Mold Covered by Insurance?

There are also steps you can take to protect you home and property from winter damage.