817-485-5050 info@schwabagency.com

Home Insurance Claims and Water Damage

Water is a vital part of life. However, if you come home to find a few inches of water throughout your house, you could be facing serious issues. Most water that can damage your house either comes from flooding or water damage, and knowing the difference can help to ensure that you will receive insurance protection.

A flood happens when external water rises onto your land, such as the water that comes from a mudslide, heavy rains, or an overflowing river. Damage that is caused by a flood will not be covered under your homeowners insurance policy, and will only be covered if you invest in a separate flood insurance policy.

Water damage is typically covered by your homeowners insurance policy, and is any water that damages your home before it reaches the outside. Some of the most common instances of water damage include a busted pipe, roof leaks, and a faulty sump pump. Since the distinction between flooding and water damage can be small, make sure to call your insurance agent as soon as possible to find out if you are properly covered.

One of the byproducts of water damage is mold. Along with being dangerous to your health, mold can also cause the value of your home to decrease by rotting wood and creating an unpleasant odor. Knowing if your homeowners insurance policy will cover mold will depend on the source of the mold. If the mold is caused by neglect, it will most likely not be covered. However, if it was caused by a covered peril, chances are that your home insurance will provide coverage.

For all of your homeowners insurance needs, contact The Schwab Agency in Colleyville, Texas. We will work with you to ensure that you have the right amount of coverage, all at the right price to fit your budget.

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The Schwab Agency

The Schwab Agency, LLC has over 20 years of experience within the insurance industry in our community and our goal is to bring you unparalleled service and dedication. Since the majority of our business is through long-lasting relationships with our clients, fulfilling your needs is of the highest priority.

COVID-19 Update:


Due to new increasing cases of Covid-19 our office will be closed to the general public until further notice. Our team will still be working full-time in the office and here to assist with all your insurance needs. Please contact us via phone at (817) 485-5050 or email: info@schwabagency.com.


We hope everyone is doing their part to protect themselves and their loved ones during these hard times, and thank everyone for understanding our decision to do our part to help protect our staff and those in our community.


Tim Schwab.
President and Managing Partner