Fracking is transforming the landscape of West Texas. However, it comes with risks you might not have considered.
Beyond noise and traffic, hydraulic fracking can trigger earthquakes that damage your home. If you live in Odessa or surrounding areas, you may be wondering whether your homeowners insurance protects you against these unexpected events.
How fracking can lead to earthquakes
Hydraulic fracturing uses high-pressure fluids to release oil and gas from deep rock formations. This process creates large amounts of wastewater, and companies usually inject it into deep underground wells built for disposal.
Injecting large volumes of wastewater has been linked to more frequent earthquakes, some strong enough to crack walls and shift building foundations.
What your policy might cover and what it might not
Most standard homeowners insurance policies in Texas do not cover damage caused by earthquakes or environmental issues like fracking. You might need to purchase a separate endorsement for protection.
Even with coverage, insurers sometimes deny claims, especially when human activity, such as fracking, causes the damage. Consulting a knowledgeable insurance attorney can help you better understand your rights and protect it.
Key considerations for protecting your property
Before a fracking-related earthquake affects your home, there are steps you can take to reduce risk and ensure you have the coverage you need. Here are some important points to keep in mind:
- Review your homeowners policy for earthquake and environmental exclusions.
- Consider purchasing a separate earthquake endorsement if you live in areas prone to fracking-induced seismic activity.
- Document your home’s condition with photos and records to support future claims.
- Stay informed about nearby oil and gas operations and any reported seismic events.
Taking these steps can help you be proactive instead of reactive. Staying prepared ensures that if an earthquake strikes, you are not left facing unexpected financial burdens alone.
Move quickly after damage
If your home suffers damage from a fracking-caused earthquake, timely action is critical. Contact your insurance company immediately and keep detailed records of all damage and correspondence.
Protecting your property starts with knowing your rights and having the right support in place.