Home insurance in Houston starts with your policy, your deductible, and a clear answer about which water you have. Wind that lifted the roof and rain that followed it down is not the same event as water that rose out of the street or the bayou. Those paths are often written in different places, sometimes on different policies you already hold. Have the declarations page and any separate flood policy in front of you before you describe the rooms.
Read the wind deductible apart from the deductible on other damage. A gulf storm can produce both a roof opening and a soaked interior, and you want to know which deductible your page assigns before you start a claim. Photograph missing shingles, peeled underlayment, and ceiling stains that match the roof path. Then photograph the waterline on the walls, the garage, and the floors if water came in low. The height of that line is part of the story.
Humidity losses get denied in spirit when they are really maintenance. A slow mold problem from a fan that never vented outside is not the same wording as a sudden soaking from a storm opening. Read how your policy talks about repeated seepage versus a sudden event. Do not throw out wet contents until you have photos and a simple list. Dry what you must to stop the loss from spreading, and note what you moved.
Loss of use matters if bedrooms or the kitchen cannot be lived in while the house dries. Read that part of your page rather than guessing from a neighbor's claim. Belongings in the garage that sat in rising water need their own pictures. If you are asking about the policy before the next storm, say so, and ask what the contract expects you to do in the first days after wind or floodwater. Keep the two words separate.
Say the city, whether this is a claim or a coverage question, and whether the water came from the roof or from the street. Give the address and which deductible you are reading. Mention if the power is out only because it changes how you are drying the house. Call the number on this page.