Frequently Asked Questions

Usually, yes, subject to your policy and deductible. A sudden and accidental discharge, like a burst supply line above a ceiling, is commonly treated as a covered loss under most standard Texas homeowners policies. Your specific policy wording controls the final answer.

Continuous leakage and seepage over time are typically excluded from standard homeowners policies, even when the source, such as a condensate line, is inside your home. Ask your insurer directly how they classify a slow leak that went unnoticed for a period of time.

Not later than the 15th day after the insurer receives notice of your claim, or the 30th business day if the insurer is an eligible surplus lines insurer, under Texas Insurance Code Sec. 542.055(a). That acknowledgment also starts the insurer's investigation and its request for documents it needs from you.

Not later than the 15th business day after the insurer receives all the items, statements, and forms it required from you to secure final proof of loss, under Sec. 542.056(a). That clock starts at receipt of your documents, not at the date you first reported the leak. If the insurer needs more time, it must accept or reject the claim not later than the 45th day after it tells you so, under Sec. 542.056(d).

Not later than the fifth business day after the date the insurer notifies you that it will pay, under Sec. 542.057(a). In the event of a weather-related catastrophe or major natural disaster, as defined by the commissioner, these deadlines extend by an additional 15 days under Sec. 542.059(b).

It depends on the scope of the work, not a fixed list of materials. Call Building Inspections & Permits at (936) 522-3610 and ask whether your specific repair needs a permit before you start; that call is the most reliable way to know, rather than guessing from the type of repair.

Call the City of Conroe Public Works Department at (936) 522-3885 before you call a plumber. The city says it will tell you whether the blockage is a public problem or your own private line, which can save you an unnecessary plumber visit for a problem the city needs to fix.

No. The City of Conroe uses (936) 522-3885 for water leaks, sewer leaks, and sewer stoppages during business hours, and the same number after hours, on weekends, and on holidays. There is no separate emergency line to look up, so this is the one number worth keeping handy.

Call the City of Conroe Engineering Office at (936) 522-3100. Inside Conroe city limits, the city reviews floodplain-related repair work; outside city limits, the review comes from the county office for your address instead, not from the city. Have your street address ready when you call.

Call Building Inspections & Permits at (936) 522-3610. Ask whether your specific repair needs a permit before you start work; the answer depends on the scope of the job and your address, not a fixed list of covered repairs or materials.

Call 911 only for an immediate life-safety emergency, such as electrical danger, a gas smell, or structural collapse. For a water leak, sewer backup, or sewer stoppage that does not threaten life or safety, call Public Works at (936) 522-3885 instead.

Yes, if you can safely reach your home's main shut-off valve and know how to operate it. Do not force a valve that will not turn, and do not enter standing water to reach one; seek qualified help if you cannot manage it yourself. Call Public Works at (936) 522-3885 separately to report the leak, sewer problem, or stoppage itself.

Usually not. Most standard Texas homeowners policies generally exclude flooding, so flood coverage typically comes from a separate policy, such as the National Flood Insurance Program, which covers up to $250,000 for the building and up to $100,000 for contents, with a 30-day waiting period in most cases.

Under Texas Insurance Code Chapter 542, Sec. 542.058(a), if your insurer takes more than 60 days after receiving all the items it reasonably requested to pay an accepted claim, it becomes liable for additional interest and costs under Sec. 542.060.

No single state license covers water damage restoration as a trade. Related work is licensed separately: plumbing through the Texas State Board of Plumbing Examiners, and electrical and HVAC work through TDLR. Mold assessment and remediation are licensed separately under Occupations Code Chapter 1958.

Usually, capped at 10 percent of the settlement under Insurance Code Sec. 4102.104(a). That fee cannot be charged if the insurer, not later than 72 hours after the loss is reported, either pays or commits in writing to pay the policy limit, under Sec. 4102.104(b).

Lake Conroe and the San Jacinto River are the main waterways near Conroe. Whether a specific property sits inside a mapped floodplain depends on its exact location, not just proximity to water; call the City Engineering Office at (936) 522-3100 to ask about your address before you plan repairs.

This site is an independent referral service, not a restoration contractor. It helps Conroe homeowners find local providers and explains city numbers, Texas law, and general insurance rules; it cannot send a crew, price a job, or file a claim on your behalf.

No. Under Texas Occupations Code Sec. 1958.102(c), mold remediation covering less than 25 contiguous square feet does not require a license. If you own the house and the mold covers more than that, Sec. 1958.102(e) still lets you or your own employee do the work yourself, with no area limit, on a residential property with fewer than 10 dwelling units.

No. Occupations Code Sec. 1958.155(a) says a license holder may not perform both mold assessment and mold remediation on the same project. If a company offers to test for mold and then fix it on that same job, ask how they are structuring that, since state law generally requires two separate license holders for those two roles.

The document to request is the certificate of mold remediation. Texas law requires the contractor to give it to the property owner not later than the 10th day after the work is completed. Store it with your other property records, since a buyer down the road may have a right to see it under the five-year disclosure rule.

Usually not on its own. Standard Texas policies typically exclude mold except for repair tied to a water loss the policy already covers, and sublimits on that covered mold work vary by insurer. Check your declarations page or ask your insurer directly; this page cannot tell you what your specific policy pays.

Ask the seller directly whether the home ever had water damage and whether any mold remediation certificates exist. State law limits a seller's disclosure duty to certificates from the past five years, so older paperwork might not need to be produced; request it regardless, and think about getting your own inspection.

TDLR, the Texas Department of Licensing and Regulation, issues mold assessor and remediator licenses and handles complaints against license holders. It is a separate agency from the Texas Department of Insurance, which handles complaints about how your homeowners policy was handled.