Guides
Short, direct answers about water, mold, fire and sewage damage in American homes, including what to do before the crew arrives.
Emergency steps
What to do in the first hour after water damage
Stop the water at the main shutoff, cut power to wet areas if it's safe, photograph everything, move valuables, and get extraction started within 24 hours. Speed matters most because materials that dry fast are usually saved.
Sewage backup in the house: what to do first
Stop using all water in the house, keep people and pets away, turn off power to wet areas if it's safe, and call a plumber to clear the line and a restoration crew to clean up. Sewage is Category 3 water and needs protective equipment and disinfection.
Insurance
Does homeowners insurance cover water damage in Texas?
Most Texas homeowners policies cover sudden, accidental water damage like a burst pipe or failed water heater. They usually exclude flooding from outside, slow long-term leaks and, without an endorsement, sewer backups. Your policy's wording decides, so read the water section and any endorsements.
Flood damage vs. water damage: why the difference matters
Water damage comes from inside the home, such as a burst pipe or appliance, and is usually covered by homeowners insurance. Flood damage is rising water from outside, and is covered only by flood insurance. Cleanup differs too: floodwater is contaminated, so porous materials it touched are removed.
Mold
How fast does mold grow after a leak?
Mold can begin growing on wet drywall, wood and carpet pad within 24–48 hours, and visible colonies often appear within a week or two. Warm, humid conditions like Houston's speed it up, so drying should start as soon as possible.
Texas mold rules: when you need a licensed company
Texas requires mold assessment and remediation for pay to be done by TDLR-licensed professionals when the project is 25 contiguous square feet or more. The licensed assessor who writes the protocol can't be the same company that removes the mold.
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