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Before locking in a policy, it helps to look closely at what your home insurance covers. You may be paying too much or too little for the protection you need.
Yes, if your roof is damaged by something listed in your policy, like hail or a fallen tree, repairs or replacement are usually covered. Damage from age or neglect, however, won’t qualify.
If rain gets in through storm damage, your policy will likely cover the repairs. But if the source is flooding or a backed-up drain, that’s excluded unless you’ve added separate protection.
You’ll still need coverage during a build. If a contractor is handling construction, a basic dwelling and perils policy may be enough. If you’re building it yourself, a full home insurance policy makes more sense. Ask an agent what fits your setup.
Most homeowners in Texas use the HO-3 (Homeowners 3 – Special Form). It’s the industry baseline for home coverage. Each insurer has its own version so the details can vary.
Texas law doesn’t mandate home insurance, but lenders do. If you’re paying off a mortgage, your lender will require it. Even without that requirement, many choose coverage to protect against costly damage or lawsuits.
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