Questions & answers · Home insurance
A storm caused both wind damage and flooding at my house. What claims do I file in Texas?
Home insuranceWho paysTexasChecked Nov 5, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-05 · Source: TDI · Texas Insurance Blog «Insurance claim tips for Texas flood victims» View original ↗
In short
- TDI says most home policies cover wind or falling-limb damage.
- TDI says most home and renters policies do not cover flood, so call your flood insurer for flood damage.
- FloodSmart says you can apply for federal disaster aid in addition to a flood claim.
What this means
This answer uses a Texas Department of Insurance (TDI) blog post and FloodSmart. TDI says: if you have flood insurance and your home flooded, call that company to file a claim as soon as possible. TDI also says to file a home insurance claim if you have other damage, because most home policies cover damage from wind or falling tree limbs, and fences. TDI notes that even if you do not have flood coverage, you might need a denial from your insurance company to apply for federal disaster assistance if it becomes available. FloodSmart says flood damage can also qualify you for federal disaster assistance if the president officially declares a disaster, and that you can apply for this aid in addition to your flood insurance claim. The sources do not say what your own policies cover.
Your next step
Call each insurer that may apply and take photos. The TDI post gives no deadline for the home claim; for an NFIP flood claim, see our answer about the proof-of-loss deadline.
Check it yourself
Open the TDI blog post and read «For home damage». Open the FloodSmart page and find the disaster assistance paragraph.
Where this comes from (2)
[1] TDI · Texas Insurance Blog «Insurance claim tips for Texas flood victims» · checked 2026-11-05
If you have flood insurance and your home flooded, call your company to file a claim as soon as possible. … File a home insurance claim if you have other damage. Most home policies cover damage from wind or falling tree limbs. They’ll also cover damage to fences. … Even if you don’t have flood coverage, you might need a denial from your insurance company to apply for federal disaster assistance if it becomes availabl…
[2] FloodSmart.gov (FEMA NFIP) · checked 2026-11-05
Flood damage can also qualify you to receive federal disaster assistance if the president officially declares a disaster. You can apply for this aid in addition to your flood insurance claim, which may help with uncovered expenses, such as temporary housing assistance.
How we found this
We matched your question to 2 official sources, quoted the exact lines, and re-checked each quote against its source on 2026-11-05.
What we don’t know yet
Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.
Every answer is checked against the official rule it quotes.
Information only — not legal advice. Your plan, insurer or agency decides.
This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.
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Answer id CQ3020. Spotted an error? Tell us.