Does Homeowners Insurance Cover Mold in Texas? What You Need to Know
Find out when Texas homeowners insurance will cover mold—from sudden, accidental water damage that must be reported quickly to tight mold sublimits—and learn steps to strengthen your claim.
Why Homeowners Insurance Rarely Covers Termite Damage
Learn why standard homeowners policies typically exclude termite damage, when narrow exceptions like fire or sudden collapse may apply, and how proactive inspections and pest control can protect your home.
Foundation Cracks and Settling: What Homeowners Insurance Will (and Won’t) Cover
Know when your homeowners policy will cover foundation cracks: sudden, accidental events like burst pipes or impact may be covered, while gradual settling, soil movement, and maintenance issues usually are not.
Replacement Cost vs Appraised Value: Avoiding Underinsurance When Insuring Your Home
Insure your home for replacement cost—not market or appraised value—to avoid costly underinsurance and ensure you have the funds to fully rebuild after a loss.
Understanding the Texas Department of Insurance and Filing a Complaint
Learn how the Texas Department of Insurance protects consumers and how to file a complaint to resolve denied claims, cancellations, or bad-faith claim handling.
Understanding Uninsured and Underinsured Motorist Coverage in Texas and New Mexico
Protect your finances: learn how Uninsured and Underinsured Motorist coverage differs in Texas and New Mexico and how to close coverage gaps when you drive across state lines.
After a Crash: 10 Critical Steps Texans Forget in the First Hour
In the first hour after a crash, Texans often forget 10 critical steps—from avoiding admissions and getting checked to preserving evidence and notifying your agent—know them to protect your claim and finances.
After a Collision: Your Right to Choose the Repair Shop in Texas
Know your Texas rights after a collision: you can choose your repair shop and parts—avoid insurer steering and insist on OEM parts and proper ADAS calibration for safety.
ACV vs RCV: What Homeowners Need to Know About Roof Claims
Understand ACV vs RCV for roof claims: ACV pays depreciated value while RCV covers full replacement—knowing which you have can prevent large out‑of‑pocket costs after hail or storm damage.
How Tariffs Are Increasing Auto and Home Insurance Premiums
New tariffs on vehicles, parts and building materials are raising repair and replacement costs, driving up auto and home insurance premiums. Review your coverage to avoid gaps and unexpected out-of-pocket expenses.
Does Homeowners Insurance Cover Mold?
Does homeowners insurance cover mold? Learn when mold damage may be covered, common exclusions, and how to avoid costly claim surprises.