HO6 insurance in Texas covers the interior of a condominium unit, the owner’s personal property, liability for accidents within the unit, and loss of use following a covered event. Unit owners are typically responsible for everything within the four walls of their condo, including flooring, drywall, fixtures, and built-in appliances.
This coverage fills the gaps left by the condo association’s master policy, which usually only covers shared or structural elements of the building. For Texas condo owners, understanding what HO6 insurance includes—and what it doesn’t—is critical.
Storms, plumbing failures, or fires can cause significant damage, and insurers do not always honor claims in full. Knowing your rights and responsibilities is the first step toward protecting your investment and securing a fair outcome when disaster strikes. Contacting a Houston insurance claims lawyer is the second step.
What HO6 Insurance Typically Covers
HO6 insurance is designed for condominium unit owners who are responsible for maintaining and insuring the interior components of their homes. These policies typically include the following types of protection:
- Interior dwelling coverage: Walls, ceilings, floors, built-in cabinets, vanities, lighting, and fixtures
- Personal property coverage: Furniture, clothing, appliances, electronics, and other belongings damaged by a covered peril
- Loss of use: Additional living expenses, such as hotel stays or meals, if your unit becomes temporarily uninhabitable
- Personal liability: Coverage if someone is injured inside your condo and sues for damages
- Medical payments to others: Helps cover medical costs for guests injured in your unit, regardless of fault
- Loss assessment: Covers your portion of damages to common areas when the HOA assesses unit owners for repair costs
However, the exact limits and exclusions vary by policy. In Texas, some HO6 policies may apply special deductibles for wind or hail damage, exclude certain types of mold remediation, or reduce coverage for water-related issues.
We help Texas policyholders understand and enforce their rights under HO6 insurance policies. At Barcus Arenas, PLLC, our law firm is committed to guiding condo unit owners through difficult claims and disputes.
We focus exclusively on complex property insurance matters and have handled hundreds of cases involving high-value and storm-related damage across Texas.
For a free legal consultation, call (800) 941-1041
How Texas Law Affects HO6 Claims
Texas has clear statutes that regulate how insurance companies must handle claims. One of the most important is Texas Insurance Code § 542, which establishes timelines for insurers to acknowledge, investigate, and pay claims.
If an insurer fails to meet these deadlines without just cause, they may owe interest penalties and legal fees in addition to the claim amount.
We often rely on this law when representing policyholders who experience long delays, lowball settlements, or unexplained denials. The statute applies to HO6 insurance just like it does to broader property coverage, making it a powerful tool when negotiating or litigating a disputed claim.
Another legal complexity arises with surplus lines policies. Some Texas condo owners unknowingly carry non-standard policies that limit their legal rights—such as policies requiring arbitration instead of allowing a jury trial. These provisions can drastically change how a claim is resolved and should be carefully reviewed.
Common Reasons HO6 Claims Are Denied or Underpaid
Even when the damage appears to be clearly covered, HO6 policyholders are often met with pushback from their insurers. We regularly help clients who have encountered one or more of the following issues:
- Blame shifting: Insurers may argue the condo association is responsible for the repair because the damage affected a shared wall or exterior surface
- Policy exclusions: Damage from flooding, mold, or earth movement may be excluded even if the homeowner was unaware of the risk
- Depreciation disputes: Adjusters may undervalue your personal belongings or insist on cheaper repairs that don’t meet HOA standards
- Maintenance denials: Insurers may claim the issue was caused by wear and tear rather than a sudden, covered event
- Unclear coverage boundaries: When master and individual policies overlap or conflict, it can lead to confusion and claim delays
In these cases, we work to clarify policy language, assess actual losses with the help of experts, and hold insurers accountable when they fail to treat policyholders fairly.
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Why You Need Legal Support for HO6 Insurance Disputes
Handling a condo insurance claim is not as simple as filing paperwork. HO6 coverage sits at the intersection of private ownership and association-managed property.
That makes it easy for insurers to delay claims or deny responsibility, especially when policies don’t clearly define who covers what.
We assist Texas condo owners by:
- Analyzing both the HO6 and master policies to determine liability
- Working with licensed estimators, appraisers, and engineers to assess true repair costs
- Challenging coverage denials based on legal precedent and statutory timelines
- Negotiating for full replacement value when insurers offer cash value or inadequate settlements
- Pursuing bad faith claims when insurers violate state regulations
We’ve handled HO6 disputes involving water damage, storm loss, hail claims, fire damage, and more. Whether your property is along the coast, in an urban high-rise, or part of a luxury development, we understand how to navigate the legal and insurance frameworks that affect your rights.
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What Makes Texas HO6 Claims Especially Complex
Condominium ownership in Texas comes with regional risks and unique insurance challenges. From tropical storms on the Gulf Coast to sudden freezes in Central Texas, the causes of condo damage can be unpredictable—and often fall into policy gray areas.
- Wind and hail claims are among the most commonly disputed in Texas. Many HO6 policies impose separate deductibles for wind events, and some surplus lines insurers apply cosmetic damage exclusions to roofing systems or window frames.
- In newer condo communities, coverage disputes may also involve unfinished construction, unapproved renovations, or builder-grade materials not matching what the unit owner expected.
- Some policies contain arbitration clauses that limit the right to file a lawsuit in court, even when the insurer acts in bad faith.
- Master policy coordination can delay or complicate a claim, especially when HOA communication is slow or documentation is missing.
We’ve seen how insurers respond to claims in each of these scenarios. Our role is to cut through policy confusion, enforce your rights under Texas law, and pursue the full amount you’re owed.
Get Help With Your HO6 Insurance Claim in Texas
If your HO6 insurance claim has been delayed, underpaid, or denied, don’t assume the insurer’s decision is final. You have rights as a policyholder under Texas law—and legal options for recovery.
With years of experience in high-value property insurance cases, we are ready to help you understand your policy, challenge any improper denials, and push for the compensation you need to restore your home.
Contact us today to schedule a free consultation and learn how we can support you. Better Advice, Better Advocates.
Call or text (800) 941-1041 or complete a Free Case Evaluation form
