{"id":9083,"date":"2026-07-17T09:07:00","date_gmt":"2026-07-17T14:07:00","guid":{"rendered":"https:\/\/lrgrealty.com\/lrg-blog\/?p=9083"},"modified":"2026-07-17T09:19:14","modified_gmt":"2026-07-17T14:19:14","slug":"storm-damage-listed-under-contract-texas","status":"publish","type":"post","link":"https:\/\/lrgrealty.com\/lrg-blog\/storm-damage-listed-under-contract-texas\/","title":{"rendered":"Storm Damage While Your Texas Home Is Listed or Under Contract: What Sellers and Buyers Do Next"},"content":{"rendered":"<div class=\"rl-page\">\n<header class=\"rl-hero\">\n<div class=\"rl-eyebrow\">Process \u00b7 Guide<\/div>\n<\/header>\n<nav aria-label=\"Jump to section\" class=\"rl-jump-nav\">\n<a href=\"#what-happens-when-storm-damage-hits-a-listed-home-before-you-have-an-offer\">What Happens When Storm Damage Hits a Listed Home Before You Have an Offer<\/a><br \/>\n<a href=\"#paragraph-14-the-casualty-loss-provision-in-the-trec-contract\"><a href=\"https:\/\/www.trec.texas.gov\/forms\/one-four-family-residential-contract-resale\" target=\"_blank\" rel=\"noopener noreferrer\">Paragraph 14 of the TREC One to Four Family Residential Contract (Form 20-19)<\/a>: The Casualty Loss Provision in the TREC Contract<\/a><br \/>\n<a href=\"#the-buyer-s-three-options-after-casualty-loss-under-contract\">The Buyer&#8217;s Three Options After Casualty Loss Under Contract<\/a><br \/>\n<a href=\"#when-the-lender-or-appraiser-orders-a-re-inspection\">When the Lender or Appraiser Orders a Re-Inspection<\/a><br \/>\n<a href=\"#faqs\">FAQs<\/a><br \/>\n<\/nav>\n<p>A hail storm that damages a Texas home under contract puts the seller on the hook for repairs until closing day. The standard TREC residential contract gives buyers three paths: accept the property with insurance proceeds assigned over, require the seller to restore it to its previous condition, or terminate and recover earnest money in full. Sellers who refuse to file a claim can stall the transaction, leaving buyers facing a damaged roof and a ticking closing deadline.<\/p>\n<div class=\"rl-quick-grid\">\n<article class=\"rl-quick-card\">\n<h3>What the Contract Says About Storm Damage<\/h3>\n<ul>\n<li><strong>Key contract clause:<\/strong> TREC Paragraph 14 addresses casualty losses and protects buyers when property damage occurs while under contract in Texas.<\/li>\n<li><strong>Insurance responsibility:<\/strong> The seller&#8217;s homeowner policy covers storm damage that happens before closing because they still own the property at that point.<\/li>\n<li><strong>Common blocker:<\/strong> Sellers sometimes refuse to file a hail damage claim, which can stall or kill the deal if the roof needs replacement before the lender will close.<\/li>\n<li><strong>Worth knowing:<\/strong> Resolving the insurance claim or negotiating a credit has to happen before your closing date passes, because lender property condition requirements can block funding on damaged homes.<\/li>\n<\/ul>\n<\/article>\n<article class=\"rl-quick-card\">\n<h3>What Buyers Need After Pre-Closing Storm Damage<\/h3>\n<ul>\n<li><strong>Must have:<\/strong> An independent inspection report documenting all hail or wind damage before you negotiate repairs, credits, or contract termination with the seller.<\/li>\n<li><strong>Strongly recommended:<\/strong> Written confirmation that the seller has filed an insurance claim, including the claim number and adjuster contact information for your records.<\/li>\n<li><strong>Optional but helpful:<\/strong> A separate roofing contractor estimate so you can compare the seller&#8217;s insurance payout against actual replacement costs in your area.<\/li>\n<li><strong>Bottom line:<\/strong> TREC Paragraph 14 gives Texas buyers the right to terminate if the property suffers casualty loss, so review your contract protections before accepting any seller-proposed repair or credit.<\/li>\n<\/ul>\n<\/article>\n<article class=\"rl-quick-card\">\n<h3>Storm Damage Resolution Timeline<\/h3>\n<ul>\n<li><strong>Document and report:<\/strong> Promptly after the storm, the seller files a homeowner&#8217;s insurance claim while the buyer&#8217;s agent arranges an independent inspection to document roof and exterior damage.<\/li>\n<li><strong>Adjuster and estimates:<\/strong> The insurance adjuster typically inspects within a few business days, and repair contractors provide competing bids that show whether a full roof replacement or targeted repair is needed.<\/li>\n<li><strong>Negotiate or terminate:<\/strong> Buyer and seller agree on pre-closing repairs, a closing credit matching the repair cost, or the buyer terminates the contract and receives earnest money back.<\/li>\n<li><strong>Expect weeks:<\/strong> Texas hail damage claims average weeks from filing to settlement, so buyers facing a tight closing date should request a written extension amendment before the original deadline passes.<\/li>\n<\/ul>\n<\/article>\n<article class=\"rl-quick-card\">\n<h3>What Hail Damage Repairs Cost<\/h3>\n<ul>\n<li><strong>Roof replacement:<\/strong> A full Texas roof replacement after hail varies by home size, pitch, and material. Get contractor estimates before negotiating.<\/li>\n<li><strong>Insurance deductible:<\/strong> Most Texas homeowner policies carry a percentage-based deductible tied to dwelling value, so the out-of-pocket amount depends on the dwelling value and the deductible percentage.<\/li>\n<li><strong>Seller credit option:<\/strong> Buyers can negotiate a closing credit equal to the insurance payout instead of waiting for physical repairs, keeping the original timeline intact.<\/li>\n<li><strong>Main takeaway:<\/strong> When the seller&#8217;s insurance covers repairs but carries a deductible, the negotiation centers on who absorbs that gap before closing can proceed.<\/li>\n<\/ul>\n<\/article>\n<\/div>\n<div class=\"rl-atf-faqhead\"><span class=\"rl-kicker\">Asked First<\/span>Top questions before you dig in<\/div>\n<details>\n<summary>What happens if a property that&#8217;s under contract is extensively damaged prior to closing?<\/summary>\n<p>Under the standard TREC contract, Paragraph 14 covers casualty losses and protects the buyer when a property sustains major damage before closing. The buyer can typically terminate the contract or negotiate for the seller to complete repairs or provide a closing credit equal to the repair cost.<\/p>\n<\/details>\n<details>\n<summary>How long do you have to claim hail damage in Texas?<\/summary>\n<p>Filing deadlines depend on the specific policy, but Texas insurers typically require hail damage claims within the policy&#8217;s claims filing deadline. If damage occurs while the home is under contract, the seller files the claim since they held the policy when the storm hit.<\/p>\n<\/details>\n<details>\n<summary>What if the seller did not complete repairs before closing?<\/summary>\n<p>Under the standard TREC contract, Paragraph 14 covers casualty losses and gives buyers leverage. You can negotiate a closing credit equal to the repair cost, require the seller to complete repairs before funding, or terminate the contract entirely if the damage materially affects the property&#8217;s value or lender requirements.<\/p>\n<\/details>\n<section class=\"rl-bluf\">\n<h2 id=\"the-bottom-line-up-front\">The Bottom Line Up Front<\/h2>\n<p><strong>When hail or storm damage hits a Texas home while it&#8217;s under contract, Paragraph 14 of the standard TREC residential contract protects you. The seller bears responsibility for casualty losses between the effective date and closing. But protection on paper and protection in practice are two different things, and how you respond in the first days determines whether your deal survives or falls apart.<\/strong><\/p>\n<p>Texas uses the TREC One to Four Family Residential Contract, and its Paragraph 14 specifically addresses casualty loss. Under Paragraph 14, if the seller cannot restore the property by the closing date due to factors beyond their control, you can terminate the contract and get your earnest money back. Below that threshold, the seller is obligated to restore the property to its previous condition before closing. The seller&#8217;s homeowner&#8217;s insurance covers the damage because they still hold the policy at the time of the storm. Sellers who refuse to file a claim or make repairs put the entire transaction at risk.<\/p>\n<ul>\n<li>TREC Paragraph 14 assigns casualty loss responsibility to the seller between contract execution and closing day.<\/li>\n<li>Damage the seller cannot restore by closing gives the buyer the right to terminate and recover earnest money.<\/li>\n<li>The seller&#8217;s insurance policy covers storm damage that occurs while they still own the property.<\/li>\n<li>Buyers should get an independent roof inspection immediately after any hail event during the contract period.<\/li>\n<li>A seller who refuses to file an insurance claim or repair damage gives you grounds to walk away.<\/li>\n<\/ul>\n<\/section>\n<section>\n<h2 id=\"what-happens-when-storm-damage-hits-a-listed-home-before-you-have-an-offer\">What Happens When Storm Damage Hits a Listed Home Before You Have an Offer<\/h2>\n<p>When hail or wind damage hits a listed home with no pending offer, the seller owns the problem entirely. No buyer exists to negotiate with, no contract provisions like TREC Paragraph 14 apply, and no one else shares the cost. The seller faces three paths: repair before resuming showings, file an insurance claim and disclose the damage, or adjust the <a href=\"\/lrg-blog\/how-to-price-a-home-in-2026\/\">listing price<\/a> to reflect the property&#8217;s condition.<\/p>\n<p>Filing the insurance claim is usually the first move. A documented hail claim creates a paper trail that future buyers and their lenders will examine, and some carriers flag properties with prior storm claims during underwriting. Many sellers use the payout to complete a <a href=\"\/lrg-blog\/new-roof-before-selling-san-antonio\/\">roof replacement<\/a> before relisting, which removes the biggest objection a buyer could raise. Others sell with the damage disclosed, pricing the home lower or offering a closing credit equal to estimated repair cost. Strategy depends on the deductible, damage severity, and how competitive the local market is.<\/p>\n<p>Disclosure is not optional. Texas sellers must update the Seller&#8217;s Disclosure Notice to reflect any new <a href=\"\/lrg-blog\/storm-damage-home-value-san-antonio-sellers\/\">storm damage<\/a> as soon as they become aware of it, regardless of whether they plan to complete repairs before selling. Failing to disclose a known roof issue or structural damage exposes the seller to legal liability well after the sale closes. Even when the roof is fully replaced before a buyer sees the home, the disclosure should note the damage and the repairs performed. Undisclosed damage discovered after closing gives buyers grounds to pursue claims, and that risk outweighs any short-term listing convenience.<\/p>\n<\/section>\n<section>\n<h2 id=\"the-casualty-loss-provision-in-the-trec-contract\">The Casualty Loss Provision in the TREC Contract<\/h2>\n<p>Paragraph 14 of the standard TREC residential contract directly addresses what happens when a property suffers casualty damage between the executed contract date and closing. The provision places the restoration burden on the seller and gives the buyer a defined contractual exit if the seller cannot or will not make repairs. Every Texas buyer under a TREC contract already has this protection built in, whether they realize it or not.<\/p>\n<p>The provision requires the seller to restore the property to its condition on the effective date if fire, storm, or other casualty causes damage before closing. Full restoration is the standard, not a partial patch, a closing credit, or a vague promise to handle it after the keys change hands. If the seller cannot or will not complete repairs, the buyer can terminate the contract and receive a full refund of <a href=\"\/lrg-blog\/earnest-money-texas-how-much\/\">earnest money<\/a> without accepting a price reduction, waiting for an insurance payout, or closing on a property with unresolved damage. The standard is clear.<\/p>\n<p>For hail damage, a seller who refuses to file an insurance claim or replace a damaged roof risks losing the deal outright. Insurance claims for storm damage must be filed by the policyholder at the time of the incident, so the seller bears that responsibility. Buyers typically cannot obtain homeowner&#8217;s insurance on a property with known roof damage, which blocks closing regardless of financing type. Document the damage with a licensed inspector, get a repair estimate, and deliver written notice referencing Paragraph 14 before deciding to terminate. That documentation protects the earnest money refund if the seller disputes it.<\/p>\n<\/section>\n<section>\n<h2 id=\"the-buyers-three-options-after-casualty-loss-under-contract\">The Buyer&#8217;s Three Options After Casualty Loss Under Contract<\/h2>\n<p>Once Paragraph 14 applies, buyers facing storm damage on a Texas home under contract have three paths: require the seller to complete repairs before closing, negotiate a credit at the closing table to cover <a href=\"\/lrg-blog\/sell-your-home-as-is-or-make-repairs-first\/\">repair costs<\/a>, or terminate the contract and recover the earnest money. Which path works depends on damage severity, the seller&#8217;s cooperation, and whether your lender will clear the property in its current condition.<\/p>\n<p>Requiring pre-closing repairs is the cleanest resolution but the slowest. If hail destroyed the roof, a full replacement can push closing back weeks depending on contractor availability and the seller&#8217;s insurance timeline. Sellers with active policies often prefer this route because their insurer covers the work directly. A closing credit moves faster. The seller reduces the sale price or provides funds at settlement, and the buyer handles repairs after taking ownership. Lenders sometimes cap seller credits at a fixed percentage of the purchase price, so confirm the limit with your loan officer before agreeing to a specific dollar figure.<\/p>\n<p>Termination is the last resort, but sometimes the only practical choice. If the seller refuses to file an insurance claim, won&#8217;t agree to repairs or a credit, or the damage is severe enough that the home no longer meets lending standards, walking away under Paragraph 14 protects your earnest money. Buyers who try to push through closing on a property with confirmed roof damage typically stall at the appraisal or insurance stage. Your lender requires a satisfactory property inspection before funding, and most insurance carriers will not write a new policy on a roof with documented hail damage.<\/p>\n<\/section>\n<div class=\"rl-cta-mid\"><a class=\"rl-cta-pill\" href=\"\/lrg-blog\/connect-with-lrg\/?ref=storm-damage-while-under-contract-texas-home-damaged-before-closing-hail\">Connect with LRG \u2192<\/a><\/div>\n<section>\n<h2 id=\"when-the-lender-or-appraiser-orders-a-re-inspection\">When the Lender or Appraiser Orders a Re-Inspection<\/h2>\n<p>Even if the seller agrees to repair storm damage and the buyer wants to proceed, the lender still has to sign off. Most mortgage lenders require a clear roof certification or re-inspection before they fund the loan. The appraiser who originally evaluated the property gets called back to confirm repairs meet the standard the lender set at underwriting. This step catches incomplete fixes that a buyer walkthrough might miss.<\/p>\n<p>The re-inspection cost falls on the buyer unless the contract specifies otherwise. Lenders will not fund a loan on a property with visible hail damage or a pending insurance claim. If the roof was replaced, the appraiser confirms new materials are installed and the work matches the contractor&#8217;s scope. If repairs were partial, the appraiser flags deficiencies and the lender holds funding until those are resolved. FHA and VA loans carry stricter property condition requirements than conventional financing, so storm-damaged homes under those loan types face a higher bar for re-inspection clearance.<\/p>\n<p>Timing matters here. Appraisal re-inspections add time to the <a href=\"\/lrg-blog\/closing-timeline-after-offer-acceptance-texas\/\">closing timeline<\/a>. If the original closing date passes while repairs and re-inspection are pending, both parties need a signed amendment extending the contract. Sellers who delay repairs risk the buyer walking under Paragraph 14 protections already in the contract. Buyers should confirm the lender&#8217;s specific re-inspection requirements early so the repair scope matches what the appraiser will verify, not just what looks acceptable from the curb.<\/p>\n<\/section>\n<section>\n<h2 id=\"va-and-fha-re-inspection-triggers-after-storm-damage\">VA and FHA Re-Inspection Triggers After Storm Damage<\/h2>\n<p>VA and FHA loans carry stricter re-inspection standards than conventional financing when storm damage surfaces before closing. Both programs require the property to meet minimum property requirements at the time of funding, not just at the time of the original appraisal. Hail damage to a roof, broken windows, or damaged siding can each trigger a mandatory re-inspection that conventional lenders might handle with a simple repair receipt.<\/p>\n<p>For VA loans, the appraiser must confirm the property meets MPR standards under VA Minimum Property Requirements. A damaged roof fails MPR regardless of whether the seller has a repair contract in hand. The VA appraiser has to physically verify completed repairs before issuing a clear Tidewater or amended appraisal. FHA follows a similar path under FHA guidelines: any observable damage that affects the structural integrity, <a href=\"\/lrg-blog\/roof-condition-home-appraisal-san-antonio\/\">roof condition<\/a>, or habitability of the property requires the appraiser to return and confirm repairs are finished to FHA standards. Neither program accepts a contractor&#8217;s promise to complete work after closing.<\/p>\n<p>This creates a timing problem Texas buyers need to plan for. VA and FHA re-inspections require scheduling through the original appraiser or a replacement assigned by the lender, which can add days to the closing timeline. If the contract&#8217;s closing date passes during that window, both parties need a written extension. Sellers who drag their feet on repairs or refuse to grant access for the re-inspection put the transaction at risk, because neither VA nor FHA will fund a loan on a property that hasn&#8217;t cleared its final inspection.<\/p>\n<\/section>\n<section>\n<h2 id=\"insurance-claims-and-the-closing-timeline\">Insurance Claims and the Closing Timeline<\/h2>\n<p>The seller&#8217;s insurance carrier controls the repair timeline, and the claim process directly dictates when closing can happen. Because the seller holds the active homeowner&#8217;s policy at the time of damage, they are the only party who can file the claim. Buyers cannot file on a policy they don&#8217;t yet own. Until the insurer sends an adjuster and the seller arranges repairs, the transaction sits in limbo.<\/p>\n<p>Most Texas insurers assign an adjuster within business days of a filed hail claim, though severe storm seasons with widespread regional damage stretch that window significantly. The adjuster&#8217;s estimate determines whether the seller can finish work within the original closing date or needs a formal extension. Roof replacements for hail damage can take weeks once a contractor secures materials and gets on the schedule, so a claim filed late in the contract period almost guarantees a closing delay. Material shortages after major hail events push that timeline significantly longer.<\/p>\n<p>Buyers should push for a written amendment extending the closing date well past the date the seller files the claim. This protects the buyer&#8217;s earnest money if repairs run long and gives the lender adequate time to complete a re-inspection after work finishes. If the seller refuses to file or the insurer denies coverage, the buyer&#8217;s Paragraph 14 rights still apply. A seller who delays filing puts the contract at risk. Document every follow-up in writing. Closing before the claim resolves means the buyer inherits the repair bill.<\/p>\n<\/section>\n<section>\n<h2 id=\"amending-the-sellers-disclosure-after-new-damage\">Amending the Seller&#8217;s Disclosure After New Damage<\/h2>\n<p>Texas Property Code Section 5.008 requires sellers to amend their <a href=\"\/lrg-blog\/texas-sellers-disclosure-guide\/\">property disclosure<\/a> when they become aware of new material defects. Storm damage during the contract period triggers that obligation regardless of whether an insurance claim is pending. The seller must update the disclosure to identify every affected component, describe the extent of damage, and state whether an insurance claim has been filed.<\/p>\n<p>The amended disclosure must reach the buyer in writing before closing. Once delivered, Once the buyer receives the amended disclosure, the buyer&#8217;s rights depend on the contract terms and the timing relative to closing. An agent and attorney should advise on the specific options available. This right operates independently of Paragraph 14&#8217;s casualty loss protections covered earlier. Sellers sometimes characterize roof damage as cosmetic or delay the amendment hoping the buyer will close before learning the full scope. That strategy backfires. Buyers who close on a property with concealed storm damage can file claims under the Texas Deceptive Trade Practices Act, which allows treble damages for knowing omissions.<\/p>\n<p>Buyers who receive an amended disclosure after hail or wind damage should request three documents before responding: a copy of the insurance claim filing, the adjuster&#8217;s itemized scope of work, and at least one independent contractor estimate. Cross-reference these against the inspection report. If the seller&#8217;s amendment lists only roof shingles but the inspector flagged soffit damage, gutter separation, and cracked flashing, that gap matters. Use the discrepancy to negotiate a larger repair credit or to exercise any termination rights available under the contract. The disclosure amendment is a tool, not just a formality.<\/p>\n<\/section>\n<section>\n<h2 id=\"the-bottom-line\">The Bottom Line<\/h2>\n<p>Storm damage on a Texas home under contract triggers a specific chain of events governed by TREC Paragraph 14. The buyer holds three options: require the seller to complete repairs before closing, negotiate a credit, or terminate the contract entirely. Each path carries its own timeline risk, and the seller&#8217;s insurance claim process often dictates how long the delay lasts.<\/p>\n<p>The lender adds another gate. VA and FHA loans require the property to meet minimum property requirements before funding, and a clear roof certification or re-inspection is standard after storm damage. The seller must also amend the disclosure to reflect the new damage. Getting to the closing table after hail means coordinating the contract, the insurance carrier, the lender, and the updated disclosure before the deal can fund.<\/p>\n<\/section>\n<section class=\"rl-faq\">\n<h2 id=\"frequently-asked-questions\">Frequently Asked Questions<\/h2>\n<details>\n<summary>What does TREC Paragraph 14 say about casualty losses?<\/summary>\n<p>Paragraph 14 of the standard Texas Real Estate Commission one-to-four family residential contract requires the seller to restore the property to its previous condition if it suffers casualty loss before closing. This includes hail, wind, fire, and <a href=\"\/lrg-blog\/buying-home-flood-zone-san-antonio-austin-texas\/\">flood damage<\/a>. If the seller cannot restore by closing, the buyer can terminate and get earnest money back. Regardless of cost, the seller must still complete repairs. The clause protects buyers from inheriting damage they did not agree to purchase and gives both parties a clear framework for deciding whether the deal moves forward.<\/p>\n<\/details>\n<details>\n<summary>Who is responsible for filing the insurance claim when a home is damaged before closing?<\/summary>\n<p>The seller&#8217;s homeowner&#8217;s insurance policy covers the property until the deed transfers. That means the seller files the claim. Buyers cannot file on the seller&#8217;s policy. If the seller refuses to file, the buyer&#8217;s main leverage is Paragraph 14 of the TREC contract, which requires the seller to restore the property. A seller who won&#8217;t file a claim is either trying to hide the damage or hoping to pocket insurance proceeds after closing. Neither scenario benefits the buyer, and both are grounds for pushing back through your agent before you proceed to the closing table.<\/p>\n<\/details>\n<details>\n<summary>How long is a seller liable for undisclosed storm damage after closing in Texas?<\/summary>\n<p>Texas imposes a statute of limitations on fraud and breach of contract claims related to property condition. If a seller knew about storm damage and failed to disclose it on the Seller&#8217;s Disclosure Notice, the buyer can pursue legal action within that window. The key is proving the seller had actual knowledge. Damage that occurred during the contract period and was visible or reported to the seller&#8217;s insurance creates a stronger case. Buyers should document everything before closing and request copies of any insurance claims the seller filed during the contract period.<\/p>\n<\/details>\n<details>\n<summary>What mistakes do buyers and sellers make most often after storm damage hits a home under contract?<\/summary>\n<p>The biggest mistake sellers make is refusing to file an insurance claim, hoping the buyer won&#8217;t notice or the deal will close before it matters. Buyers often make the opposite error: accepting a closing credit without getting an independent damage estimate first. Credits based on the seller&#8217;s contractor bid frequently undervalue roof actual replacement costs. Another common mistake is skipping a re-inspection after repairs. A seller might patch visible damage without addressing underlying structural issues that show up six months later as leaks or mold.<\/p>\n<\/details>\n<details>\n<summary>Should you order a re-inspection after a storm hits a property under contract?<\/summary>\n<p>Yes. Your original inspection report reflects the home&#8217;s condition before the storm. Hail can crack roof tiles, dent flashing, damage gutters, and break window seals without obvious ground-level signs. A qualified roofing inspector or general home inspector should evaluate the property again before you proceed to closing. That is a small price compared to inheriting a major roof replacement. Your lender&#8217;s appraiser may also flag visible damage, which can delay or block financing until repairs are verified.<\/p>\n<\/details>\n<details>\n<summary>Can a buyer cancel the contract after hail damages the home before closing?<\/summary>\n<p>Under the standard TREC residential contract, yes. Paragraph 14 gives the buyer a termination right if the seller fails to restore the property by the closing date due to factors beyond the seller&#8217;s control. The seller is obligated to restore regardless of cost, and if they cannot, the buyer chooses from the three options in the contract. Your option period matters here too. If you are still within the option period when the storm hits, you can terminate for any reason by delivering written notice. Once the option period expires, Paragraph 14 becomes your primary protection as the buyer.<\/p>\n<\/details>\n<details>\n<summary>Can the lender block closing if storm damage is discovered before funding?<\/summary>\n<p>Yes. Most mortgage lenders require the property to meet minimum condition standards at the time of funding. If the appraiser or a re-inspection reveals hail damage to the roof, broken windows, or other structural issues, the lender can require repairs before releasing funds. FHA and VA loans are especially strict on this point. The property must be safe, sound, and structurally secure. Even conventional loans can hit this wall if the damage is significant enough to affect the home&#8217;s value or insurability. Sellers who delay repairs risk pushing closing past contract deadlines.<\/p>\n<\/details>\n<\/section>\n<footer class=\"rl-resources\">\n<h2 id=\"resources-used\">Resources Used<\/h2>\n<div class=\"bullet-section-gray\">\n<ul>\n<li><a href=\"https:\/\/allenlawfirm.com\/when-it-hails-it-pours\/\" rel=\"noopener noreferrer\" target=\"_blank\">Allenlawfirm.com \u2014 When it Hails, it Pours<\/a><\/li>\n<li><a href=\"https:\/\/candysdirt.com\/2019\/05\/28\/title-tip-disaster-strikes-while-under-contract\/\" rel=\"noopener noreferrer\" target=\"_blank\">Candysdirt.com \u2014 Title Tip: What To Do When Disaster Strikes While Under Contract<\/a><\/li>\n<li><a href=\"https:\/\/martenteam.com\/blog\/hail-damage-in-north-texas-what-every-homeowner-buyer-and-seller-needs-to-know\" rel=\"noopener noreferrer\" target=\"_blank\">Martenteam.com \u2014 Hail Damage in North Texas: Guide for Buyers &amp; Sellers<\/a><\/li>\n<li><a href=\"https:\/\/www.justanswer.com\/real-estate-law\/83hpe-closing-storm-passed-causing-hail-damage.html\" rel=\"noopener noreferrer\" target=\"_blank\">Justanswer.com \u2014 Before closing, a storm passed through causing hail damage on the &#8230;<\/a><\/li>\n<li><a href=\"https:\/\/www.hammondlawtx.com\/blog\/post\/who-is-liable-when-damage-occurs-before-closing-on-a-property\" rel=\"noopener noreferrer\" target=\"_blank\">Hammondlawtx.com \u2014 Who Is Liable When Damage Occurs Before Closing On A Property?<\/a><\/li>\n<li><a href=\"https:\/\/www.farahlegal.com\/real-estate\/when-damage-occurs-before-closing-on-a-property\/\" rel=\"noopener noreferrer\" target=\"_blank\">Farahlegal.com \u2014 When Damage Occurs Before Closing on a Property<\/a><\/li>\n<\/ul>\n<\/div>\n<\/footer>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Process \u00b7 Guide What Happens When Storm Damage Hits a Listed Home Before You Have an Offer Paragraph 14 of the TREC One to Four Family Residential Contract (Form 20-19): The Casualty Loss Provision in the TREC Contract The Buyer&#8217;s Three Options After Casualty Loss Under Contract When the Lender or Appraiser Orders a Re-Inspection [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":9084,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20,64,30],"tags":[],"class_list":["post-9083","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-buying","category-lrg-blog","category-sell-your-home"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Storm Damage While Listed or Under Contract in Texas: TREC Paragraph 14 Explained | LRG Realty<\/title>\n<meta name=\"description\" content=\"Hail or storm damage after your Texas home is listed or under contract? 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