Home insurance in Austin starts with your policy, your deductible, and the freeze that caught the plumbing. A supply line that lets go when the cold breaks is often written as a sudden discharge, which is not the same wording as a seep that lasted all summer. Have the declarations page out. Read the deductible on that kind of water, and read it apart from the wind and hail deductible, because this city can hand you either loss.
Document the pipe, not just the stain. Photograph the split, the attic or the exterior wall where it ran, and the ceiling or floor it ruined. Note whether the house heat was on, whether a hose bib was left charged, and whether an outdoor unit on the wall took the night unprotected. Save the failed section if it was cut out. The claim gets harder when the only evidence left is new drywall.
Creek water is a different document from a burst line. Water that rose out of a low crossing or a creek bed and came in at the floor is not the attic leak you just described. Ask whether that rising water lives on this policy or on a separate one you hold. Wind and hail still bruise roofs west and south of downtown in some springs. If that is the loss, photograph slopes and granules, and do not fold it into the freeze story to make one bigger claim.
Read loss of use if bedrooms are open to dry, and read how belongings are treated. Keep a plain record of temporary housing and of the drying you had to start. Do only enough temporary work to stop the water from spreading. Age and poor maintenance are where arguments start, so pictures of a clean split beat a speech about how cold it felt. Your page, not a neighbor's memory, decides the deductible.
Say whether this is a freeze claim, a hail or wind claim, a question about creek water, or a read of the policy before the next cold night. Give the address and which deductible you are looking at. Mention if the water is already off. Call the number on this page.