Winter Storm Enzo: Insurance Guidance for Residents Affected by Tree Damage, Power Outages, and Water Issues
The recent Winter Storm Enzo wreaked havoc across the Greater Houston area, bringing several inches of snow, freezing temperatures, and causing widespread damage. As residents begin the recovery process, understanding how their insurance policies apply to storm-related damages is crucial. The Texas Department of Insurance (TDI) has provided important guidance for homeowners, renters, and car owners dealing with fallen trees, power outages, and water damage.
Does Insurance Cover Fallen Tree Branches and Storm Damage?
One of the most common questions following a severe winter storm is whether insurance will cover damage caused by fallen trees or tree limbs. According to TDI, coverage depends on the specific circumstances:
-
Fallen Tree on a House: Homeowners insurance typically covers damage from fallen trees or branches that hit your home, such as a damaged roof. It’s important to contact your insurance provider as soon as possible and document the damage before making repairs.
-
Tree Removal: Homeowners policies may cover tree removal if the tree falls on your house or blocks your driveway due to storm damage. However, trees or limbs that fall in your yard, without causing further damage to property, are usually not covered unless specified in the policy.
-
Neighbor’s Tree Damage: If a tree from your neighbor’s property falls on your house, their homeowner’s insurance is unlikely to cover the damage unless they were at fault. In most cases, the homeowner must file a claim with their own insurance.
-
Tree on a Car: If a tree falls on your car, your auto insurance will cover the damage if you have comprehensive coverage. This also applies if the tree belongs to your neighbor, although liability is typically not assigned to them unless they were negligent.
Mobile Sidebar Ad
Dealing with Power Outages and Spoiled Food
Although most residents were fortunate enough to avoid power outages, Winter Storm Enzo left many residents without electricity for hours or days, potentially causing food spoilage in refrigerators and freezers. TDI advises that some homeowners and renters insurance policies may cover up to $500 for spoiled food if the power failure occurred under specific circumstances. While not all policies cover this, it's important to call your insurer and ask about coverage for food spoilage, especially if there was no deductible.
Water Damage and Mold Coverage
Another major concern for Texans affected by the storm is water damage, including potential flooding and mold growth. TDI offers the following guidelines for homeowners:
-
Covered Water Damage: Most homeowner and renters policies will cover water damage caused by sudden and accidental events such as burst pipes or an overflowing toilet. If mold results from these covered damages, it may also be included in the policy.
-
Non-Covered Water Damage: Gradual leaks or seepage, including damage from floods, is typically not covered under standard homeowners insurance. Flood insurance is required for flood-related damage, and separate coverage may need to be purchased.
-
Mold Coverage: While standard policies may not cover mold cleanup, some insurers offer coverage for mold removal as an add-on. For mold claims, it’s important to use a licensed mold remediation professional, as you will need to provide proof that the issue has been fully resolved.
Mobile Sidebar Ad
Tips for Filing Insurance Claims
For residents dealing with winter storm damage, filing a claim with your insurance company is a crucial step in the recovery process. TDI recommends the following steps for filing claims related to tree damage, water leaks, and mold:
-
Document the Damage: Always take photos or videos of the damage before making repairs. This helps support your claim and ensures that nothing is overlooked during the inspection.
-
Make Temporary Repairs: To prevent further damage, make temporary repairs like putting a tarp over a leaking roof or boarding up broken windows. Be sure to keep receipts for any materials purchased.
-
File Claims Quickly: Notify your insurer as soon as possible after damage occurs. For hidden water damage, policies often require reporting within days of discovery. Make a list of all affected items and be prepared for your insurance adjuster to inspect the damage.
-
Mold Claims: If mold is involved, ensure that you hire a licensed professional to remove it and get a certificate confirming the remediation.
Other Resources and Assistance
If you need further help understanding your insurance coverage or filing a claim, the TDI Help Line is available at 800-252-3439. Additionally, residents can visit the TDI website for more detailed information on topics such as flood insurance, deductibles, and what to expect during the claims process.
Winter Storm Enzo left many Texans facing property damage, from fallen trees and power outages to water-related issues. By understanding what is and isn’t covered by insurance, residents can ensure they receive the necessary assistance during this recovery period. Contact your agent for specific questions about your policy and use the resources available through the Texas Department of Insurance to guide you through the claims process.
Tiffany Krenek has been on the My Neighborhood News team since August 2021. She is passionate about curating and sharing content that enriches the lives of our readers in a personal, meaningful way. A loving mother and wife, Tiffany and her family live in the West Houston/Cypress region.
