What We Handle
Case Types We Fight
Burst Pipe & Plumbing Failure
Sudden pipe bursts are covered under virtually all Texas homeowners policies.
Appliance Overflow & Discharge
Washing machine, dishwasher, and HVAC overflow events.
Roof Leak Water Intrusion
When roof damage allows water inside — a wind-event-caused loss, not a maintenance exclusion.
Texas Freeze / Frozen Pipe Losses
The February 2021 freeze caused billions in pipe burst losses statewide.
Commercial Water Loss
Significant water events with high-value contents and business interruption exposure.
Sewer Backup / Drain Overflow
Requires specific endorsement — CDF Law verifies coverage and maximizes the claim.
What You Can Recover
- Full remediation and structural drying costs
- Flooring, drywall, and cabinetry replacement
- Content damage and replacement
- Mold remediation resulting from covered water event
- Additional living expenses during remediation
- Attorney's fees and statutory interest for bad faith handling
Recent Recovery
$135,000
Water Damage — Frozen Pipe Burst (Texas Freeze)
Homeowner's February 2021 freeze claim was denied under a 'gradual damage' theory. CDF Law documented the sudden pipe burst event and temperature timeline. Full replacement settlement including mold remediation.
Past results do not guarantee similar outcomes in future cases.
Frequently Asked Questions
Common Questions About Your Case
What is the difference between a covered water loss and excluded flood? +
Standard homeowners policies cover sudden and accidental discharge from plumbing and appliances — but exclude flood, which is surface water entering from outside. The distinction is critical and heavily litigated. CDF Law establishes causation evidence to overcome flood-exclusion arguments.
My insurer says it was gradual damage — are they right? +
'Gradual damage' is one of the most frequently misapplied exclusions in Texas. CDF Law reviews the timeline of loss, physical evidence, and specific policy language to determine whether the exclusion legitimately applies.
Can I recover for mold resulting from a covered water loss? +
Generally yes — if the mold is a direct result of a covered water event and you acted promptly to mitigate. CDF Law ensures full mold remediation is attributed to the covered loss event.