The devastating floods that struck Central Texas in July 2025 left a trail of damage and uncertainty in their wake. Our hearts go out to everyone affected—especially the families who were displaced, the communities working hard to rebuild, and the landlords and tenants navigating the challenges of property damage and loss. At TALK Property Management, we’ve seen firsthand the toll this type of disaster can take, and we’re here to help you through it.
If you’re a landlord whose rental property sustained flood damage, here are the critical steps you should take in the days and weeks following the event:
1. Check On Your Tenants First
Above all, ensure your tenants are safe. Reach out immediately to confirm their well-being and find out if they’ve been displaced or suffered personal loss. Even if the property is damaged, maintaining open and compassionate communication builds trust and goodwill during a difficult time.
2. Document Everything
Before beginning cleanup or repairs:
- Take detailed photos and videos of all damage—inside and out.
- Create a written inventory of losses or structural issues.
- Ask tenants to do the same for their belongings (they’ll likely need this for their renters insurance claim).
This documentation will be essential when filing your insurance claim.
3. File a Flood Insurance Claim Promptly
Flood damage is typically not covered under standard landlord insurance policies. If you have a separate flood insurance policy (such as one through the National Flood Insurance Program), contact your insurer immediately to initiate the claim process. The earlier you file, the sooner an adjuster can visit the property.
4. Arrange for Professional Assessment
Hire a licensed contractor or property inspector to assess the structural integrity of the building. Floodwaters can compromise electrical systems, foundations, and HVAC units—issues that may not be immediately visible but could pose serious risks down the line.
5. Begin Cleanup with Safety in Mind
Flood cleanup is hazardous. We recommend working with certified restoration professionals who can safely:
- Remove water and debris
- Prevent mold growth
- Disinfect affected areas
Tenants should not return until the property is deemed safe for habitation.
6. Stay Informed About Local Resources
In the wake of the July 2025 floods, several city and county programs are offering support for property owners and tenants alike. Stay connected with city updates and relief programs that may offer financial aid, cleanup assistance, or temporary housing solutions.
7. Coordinate with Tenants Regarding Repairs and Relocation
Depending on the extent of damage, your tenants may need temporary housing. Work with them to:
- Understand lease terms related to disasters
- Determine whether rent abatement or termination is appropriate
- Coordinate a realistic timeline for repairs
If you have a property management team like ours at TALK Property Management, we can help navigate these delicate conversations.
8. Rebuild with Future Resilience in Mind
As you repair the property, consider incorporating flood-resistant materials and drainage improvements. Evaluate landscaping and grading to divert water away from the home and explore upgrades that could protect your investment from future weather events.
9. Review and Update Your Insurance Coverage
Once the recovery process begins, take time to review your insurance policies. You may want to increase coverage limits or add protection for hazards that weren’t covered previously. Our team is happy to help you evaluate these options.
We’re Here to Help
At TALK Property Management, we understand the stress, urgency, and emotional impact that a natural disaster can bring. We’re committed to supporting our property owners and tenants every step of the way—from coordinating emergency services to managing insurance communications and repair timelines.
If you need help navigating the aftermath of the Central Texas floods, please don’t hesitate to reach out. We’re in this together—and we’ll get through it together.
