Thank you for Dadx9 for posting the HO A named perils- now I know the Texas equivalent of the DP1 I handle in California. It looks just like a DP1- same named perils. Do they even use the DP1 form much in Texas?
I do more named peril policies than HO3 by far. It is important to remember that damage from plumbing leaks can be covered, even without the endorsement, it's just not a named peril so won't be covered unless a named peril strikes first. Damage from plumbing leaks is covered, if one of the 8 named perils are the proximate cause, even if there is no plumbing leak endorsement.
A car (vehicle peril) hits a wall of the house and breaks a pipe inside the wall
a truck hits an above ground water main, flooding a house
a tenant purposely damages the water lines (vandalism)
a fire heats up the galvanized pipes and they start leaking
thieves steal copper pipes without turning off the water first
I have worked on claims like each example above and they have all been paid.
Unlike an HO3 that allows for damages caused by the leak but doesn't pay for the actual repair of the leaking pipe, in any of the above scenarios the repair of the leak is also covered.
Also if your HO A policy is like the DP3 there is no anti concurrent causation language. So if a truck driving on a road above your house causes a collapse of the soil, which in turn causes a water main to break, which then causes damage to your home, the loss could be covered under vehicle peril even though earth movement was an intervening cause.
I would study the HO A to see exactly how similar to a DP1 it is but I can't find one on the internet.
Other hypothetical scenarios where one of the 8 named perils could cause a water leak:
1) A stray bullet (peril of explosion) penetrates a water line (there is case law that gunfire = explosion)
2) a windstorm somehow causes a water line to break
I found this link from the Texas Fair Plan Association which shows a comparison between the Texas HO A form and the Texas DP1 (TDP-1):
The coverages are very similar between the HO A and DP1 except theft is excluded on the HO A.
I wonder why they even have the two different policies when they are so similar. The theft coverage on the DP1 that I handle is already very limited, it is only for building damage caused by theft/burglary, there is NO coverage for theft of personal property.
The Texas Fair Plan website explains that the TDP1 never pays replacement cost on personal property, but the HO A can be upgraded to have RCV on personal property.
" The Texas FAIR Plan (FAIR Plan) was created by an act of the Texas Legislature (Chapter 2211, Tex. Ins. Code) for the purpose of providing basic residential property insurance to applicants who cannot secure coverage in the voluntary market.
As a market of last resort, coverage available through the FAIR Plan is not as comprehensive as coverage available through the voluntary market. The FAIR Plan does not compete with the private market and applicants must have two declinations from other insurers in order to obtain coverage with the FAIR Plan. Applicants are not eligible for coverage with the FAIR Plan if they have a current homeowners or other residential property policy, renewal offer, or a binding quote from an authorized insurance company."
The Texas Fair Plan is basically the same idea as the Louisiana Fair Plan and every other state that has one. For some reason Texas also offers the HO A in addition to the DP1 that Fair Plan carriers always offer.