Purchasing a home in Texas is a significant milestone, but the excitement can fade when unexpected damage appears after the sale. Whether it’s a broken window, hidden water damage, or holes in the walls, new homeowners often wonder if their home insurance will cover repairs caused by the previous occupants. The answer, courtesy of Amy Tounget Insurance Agency LLC serving Midlothian, TX, and surrounding areas, depends on the timing and the cause of the damage.
When Coverage Typically Begins
Most home insurance policies go into effect on the closing date. Anything that happens after that point, such as storm damage or a fire, is typically covered, depending on the policy terms. But damage that existed before closing is usually not covered. Home insurance protects against sudden and accidental losses, not pre-existing conditions.
If the damage was there when you moved in, it’s likely considered the seller’s responsibility. In some cases, you may be able to pursue a claim through legal channels if the seller failed to disclose the issue. Your real estate contract or inspection report may help support that case, but your insurance won’t typically pay for repairs caused by the prior owner’s neglect or misuse.
What You Can Do
If you suspect damage after moving in, document everything with photos and notes, and notify your agent. They can help you determine whether there’s any chance of coverage. In some cases, though, the best route is to work with your Realtor® or a real estate attorney to address undisclosed issues.
Texas homeowners insurance, offered through Amy Tounget Insurance Agency LLC, serving Midlothian, TX, and surrounding areas, is a valuable tool; however, it won’t protect you from damage caused by someone else. If you’re buying a home, ensure that your inspection is thorough and that your closing paperwork is in order. A little caution upfront can prevent major headaches down the line.
