Options for homeowners when recovering from a house fire [Video]

WACO, Texas — Devastating house fires can leave people without a home, clothes or belongings. Unfortunately, it’s not uncommon to hear that, for one reason or another, the homeowner doesn’t have insurance to step in.

Here’s what to do if you find yourself in the same situation.

Texas law does not require home insurance, but banks do require it as a condition of your mortgage.

“If there’s a big loss, do you have the resources to replace it,” Ben Gonzalez with the TDI said. “For some people, they may, but for most of us, insurance is a way to cover those big financial losses.”

Before signing, shop and get several quotes.

“Most companies offer discounts if you can reduce your risk of having a loss,” Gonzalez added. “Usually it’s things like having fire …