Texas Homeowner Survival Guide: Plan Ahead for Water, Roof & Window Risks

• Small problems become big bills. Leaks, roof damage, and water intrusion around windows/doors are the top unexpected repair costs in Texas.
• Document and prepare. Photos, inspection reports, and maintenance records protect your home and insurance claims.
• Prioritize prevention. Drainage, sealing, and hardening vulnerable areas reduce emergency repairs and increase your home’s resilience.
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• Ballpark cost: ~$3,800 per typical water-damage claim.
• Quick wins: Label main shutoff valves, install leak sensors near sinks, water heaters, and washers.
• Action: Dry leaks within 24–48 hours; photograph for insurance.
• Pro tip: A $15 water alarm under your sink can prevent drywall and floor damage.

• Ballpark cost: $5,800–$13,200 for a full roof replacement.
• Texas-smart upgrades: Impact-resistant shingles (UL 2218 Class 4) and FORTIFIED Roof practices.
• After a storm: Walk the perimeter, photograph damage, check flashing and vents, and schedule a professional inspection.
• Pro tip: Ask contractors about IBHS hail ratings to qualify for insurance credits and supplements.

• Ballpark cost: ~$300–$2,500 per unit depending on frame and installation.
• Seal the envelope: Caulk stationary gaps, add weatherstripping, check threshold flashing.
• Fight wind-driven rain: Proper flashing, barrier wraps, and door sweeps keep water out and A/C in.
• Coastal/TWIA counties: Ensure WPI-8/WPI-8E inspections if replacing roofs, windows, or doors to maintain windstorm coverage.
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• Standard homeowners policies usually do not cover flood damage—separate coverage is required (NFIP or private).
• Consider excess/private options if your dwelling’s value exceeds NFIP caps ($250k building, $100k contents).

• Clean gutters and add downspout extensions; ensure water drains away from the slab.
• Re-caulk one drafty window and add a door sweep this weekend.
• Take date-stamped roof and attic photos as a pre-storm baseline.
• Price out upgrades: impact-resistant shingles, sealed roof deck, and leak sensors with auto-shutoff.
• Coastal homes: confirm WPI-8/WPI-8E requirements before project start.
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