If all my plant are drying from drought?

Your plants are not covered.

Homeowners insurance does not protect against a loss of value of your home. So any decrease in your homes value because of your landscaping has nothing to do with your insurance policy.

Additionally, most homeowners policies limit coverage to trees and shrubs to only a few perils (such as a car going off the road and running over them or getting hit by lighting). This is limited to trees/shrubs. So no help for your flowers.

There is no coverage for plants damaged by drought.

Great idea about the washing machine water! Never thought of that. In addition, purchase a few rain barrels. What little rain you get becomes more useful when you can use the run off from your roof to help water the plants.

No. Homeowners insurance does not cover maintenance. One part of "maintenance" is protecting plants from extreme weather conditions - hot / cold / wind / etc.

- Get out the hose and start watering.

- Go get some Superthrive about $12 at your local garden center (amazing stuff)

If the plants are 5 years old, they can most likely still be saved.

As the other person said, soaking your plants may be what is killing them.

Read the reviews about MiracleGrow = not a super great product (I use it for some things)

Read the reviews about SuperThrive = it's inexpensive and it works.

There are water restrictions where I live too You can still save your plants

And as you have learned (from every response), home owners insurance will not pay for anything so it's worth a try

There's a concept called inherent vice, which a hidden defect in an item or the nature of the item which brings about a loss. A plants tendency to die if not watered is an inherent vice because it's the very nature of the product which causes a loss (another example is how brake pads on a car eventually wear out from use). Inherent vice is NEVER covered under any insurance policy, therefore your loss would not be covered.

First of all, I'm in Houston, and one GREAT way during the water restrictions to get extra water, is to put a trash can next to your washing machine - put your water hose from the drain, into the trash can, take that grey water runoff, dump it outside on your plants. I have LOTS of citrus trees in my yard, plus two raised beds, and my plants are doing ok, because hey, I do about 8 loads of laundry a week. That's a LOT of grey water.

Second, no, plants aren't covered for that peril under ANY of the TX approved policy forms - which are not standardized.

By soaking your plants, you may have overwatered them. They could be drowning?

No, your insurance is not good for dead plants lowering the value of the property. The insurance firm would go broke if it was.

Of course you can file a claim but first you might to read your policy or ask your agent to see if plants are covered.

well I live in Texas too on the gulf coast and whenever a storm comes through and flattens and destroys plants insurance company tells us they don't pay for landscaping.

No because it would be too easy for everyone to defraud the insurance companies