What Does Mold from Water Damage in Texas Look Like? Signs, Risks & Legal Options

Introduction

In Texas, where flooding, burst pipes, and storm surges are common, water damage can quickly escalate into a mold problem. Whether it’s a roof leak after a hailstorm in Dallas or a plumbing issue in a Houston apartment, lingering moisture provides the perfect environment for mold to thrive. But many homeowners aren’t sure what mold from water damage looks like—or how to recognize it before it spreads.

Knowing the signs of mold is essential not just for health reasons, but also for protecting your home’s value and navigating a successful insurance claim. In this article, we’ll explain exactly what mold from water damage in Texas looks like, where to find it, and what steps to take if your insurance company refuses to pay for mold remediation.

What Mold from Water Damage Looks Like in Texas

Visual Appearance of Mold

Mold comes in a variety of colors, textures, and patterns. The most common types associated with water damage in Texas include:

• Black Mold (Stachybotrys chartarum): Slimy and dark green or black, often found behind walls and under flooring.

• White Mold: Powdery and fuzzy, typically growing on wood or drywall.

• Green Mold: Often found on damp wood or fabric surfaces.

• Yellow Mold: Can appear slimy or dusty and is usually found in bathrooms or kitchens.

Mold may appear as:

• Clusters of small dots or splotches

• Discoloration spreading across walls or ceilings

• Fuzzy or velvety textures

• Musty or earthy odor, even if mold isn’t visible

According to the Centers for Disease Control and Prevention (CDC), mold can begin to develop within 24 to 48 hours of a water intrusion.

Source: CDC – Basic Facts about Mold https://www.cdc.gov/mold/faqs.htm

Where Mold Commonly Grows After Water Damage in Texas

Mold thrives in warm, humid environments—conditions that are common across Texas, particularly in cities like Houston, Austin, and San Antonio. Areas prone to mold growth after water damage include:

• Behind drywall and baseboards

• Under carpets or laminate flooring

• In attics with roof leaks

• Around leaky windows or doors

• Inside HVAC ducts and closets

After a storm or plumbing leak, these areas should be thoroughly inspected, especially if the moisture wasn’t immediately dried.

Health Risks of Mold Exposure

Exposure to mold from water damage can cause serious health issues. The Texas Department of State Health Services (DSHS) states that mold exposure can lead to:

• Nasal congestion and sneezing

• Coughing and throat irritation

• Asthma attacks

• Eye and skin irritation

• Fatigue and headaches

Prolonged exposure, especially to toxic black mold, may lead to more severe respiratory or neurological issues in vulnerable individuals.

Mold Damage and Texas Homeowners Insurance

In Texas, insurance coverage for mold damage depends largely on the source of the moisture. Most standard homeowners policies will cover mold remediation only if it results from a “covered peril,” such as:

• Sudden pipe bursts

• Accidental overflows

• Storm-related roof leaks

However, gradual leaks, neglected maintenance, or long-term humidity issues are often excluded from coverage. According to the Texas Department of Insurance, homeowners should act quickly after water damage occurs and document all repairs to improve the chances of claim approval.

In a 2023 industry report, it was estimated that the average mold claim payout in Texas was $10,500, but many policyholders received less due to partial denials or exclusions.

Source: Insurance Information Institute – Texas Mold Claims Report 2023

How Louis Law Group Can Help

If your insurance company is denying or underpaying your mold damage claim in Texas, Louis Law Group can provide the legal support you need.

Our experienced attorneys are skilled in handling insurance disputes involving water and mold damage. We can review your policy, gather the necessary evidence, and fight for the compensation you’re entitled to—especially in cases where insurers act in bad faith or fail to cover legitimate damage.

Steps to Take if You Suspect Mold from Water Damage in Texas

Document the Damage

Take clear photos and videos of the mold, affected areas, and any visible water sources.

Hire a Professional Mold Inspector

A licensed inspector can provide a written report of mold type, spread, and source, which strengthens your claim.

Notify Your Insurance Company Immediately

Report the issue as soon as possible and retain all correspondence for your records.

Prevent Further Damage

Start basic drying or mitigation steps to limit spread, but don’t throw anything away until an adjuster inspects the property.

Contact an Attorney If Denied

If your claim is denied or underpaid, legal help can make a difference in getting a fair settlement.

FAQs About Mold from Water Damage in Texas

Q: What does mold from water damage look like in Texas homes?

A: Mold can look like black, green, white, or yellow patches or dots, often fuzzy or slimy, and commonly appears on walls, ceilings, and behind baseboards.

Q: How fast does mold grow after water damage?

A: Mold can begin forming within 24–48 hours of moisture exposure, especially in Texas’ humid climate.

Q: Does homeowners insurance in Texas cover mold removal?

A: It depends on the cause. Mold resulting from a covered peril like a burst pipe may be covered, but long-term leaks are often excluded.

Q: Is black mold more dangerous than other types?

A: Black mold (Stachybotrys chartarum) is often considered more hazardous due to its potential to produce mycotoxins, but all mold can pose health risks.

Q: What should I do if my insurance denies my mold claim?

A: Gather evidence, request a written explanation, and consider hiring a lawyer to help challenge the denial and protect your rights.

Conclusion

Understanding what mold from water damage looks like is crucial for every Texas homeowner. With the right knowledge, you can identify early signs of mold, take swift action to mitigate damage, and ensure your insurance claim is handled fairly. If your insurance company refuses to pay for mold remediation—even when the damage clearly stems from a covered event—it may be time to explore your legal options.

Is your insurer giving you the runaround after mold damage has appeared in your Texas home?

Contact Louis Law Group today for a free consultation. Call 833-657-4812 or submit a free case evaluation form to get started. Don’t wait—let us help you take the first step toward justice and financial recovery.