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Nevertheless, most homeowner’s insurance policies do cover damages caused by hurricane winds, so it is possible that you will be able to recover for water-related property damage if you can prove that wind allowed water to seep in and damage property where it otherwise, would not have. Because it can be difficult to pinpoint the source of water damage in any storm, particularly a storm as devastating as Hurricane Harvey, these types of insurance claims can become contentious, but it is important to know that this option is available.
Click here to visit TDI’s website for more information on the variety of insurance policies available to homeowners in Texas.
Is there any way for me to get help if I do not have flood insurance and my homeowner’s insurance policy doesn’t cover the damages?
Individuals and families can apply for FEMA assistance for property damages not covered by insurance, including temporary housing and relocation. Also, the Small Business Administration offers disaster loan assistance to businesses, nonprofits, homeowners, and renters. Click the links for more information and to fill out an application.