The Insurance for Texans Blog

Ron Wadley

Ron is the principal agent at Insurance For Texans and has more than 20 years in the insurance business. This experience allows him to find creative solutions to your insurance problems.

Can My Mortgage Lender Force Me To Carry Specific Insurance Coverage

Posted by Ron Wadley on Jun 16, 2025 2:24:02 PM

Mary is a single mom living in Waco. Like so many parents right now, she is watching every penny that leaves her bank account. Groceries have gone ...

Topics: mortgage payment, replacement cost, hail, TRUE Texas Home Insurance

What Is A Normal Deductible For Texas Home Insurance?

Posted by Ron Wadley on May 22, 2025 5:54:49 PM

Jim is buying his first home on the west side of Fort Worth. He’s excited, a little nervous, and trying to get everything in order before closing ...

Topics: deductible, hail, TRUE Texas Home Insurance

What Do Texas Homeowners Need To Know About Insurance In 2025?

Posted by Ron Wadley on May 1, 2025 5:14:14 PM

24 Billion Dollar Weather Events In 2024

When the massive hail storm rolled through North Austin into Round Rock a couple of years ago, Ashley's house got blasted. The noise on the roof was ...

Topics: texas weather, roofing schedule, TRUE Texas Home Insurance

Why Does My Texas Home Insurance Have A Roof Sublimit?

Posted by Ron Wadley on Apr 30, 2025 12:13:28 PM

The Spring hail season in North Texas has been somewhat quiet so far this year. We have not had as many big storms through March and April as we have ...

Topics: hail, TRUE Texas Home Insurance, sublimit

What Is A Stated Limit For Roof Coverage On A Home Insurance Policy?

Posted by Ron Wadley on Apr 16, 2025 4:31:34 PM

Like most folks in North Texas, Jason knows hail season can be a mess. His neighbor across town had to replace a roof last year after a big storm, ...

Topics: replacement cost, hail, roofing schedule, TRUE Texas Home Insurance

Why Is My Home Insurance Premium Going Up After Record Profits?

Posted by Ron Wadley on Apr 14, 2025 3:42:13 PM

If you are anything like Mary, you have seen your home insurance rates climb like they are almost to the top of Kilimanjaro. Mary lives in a nice ...

Topics: replacement cost, hail, TRUE Texas Home Insurance

Three Things Texas Homeowners Need To Know Before Hail Season Starts

Posted by Ron Wadley on Feb 27, 2025 11:19:59 AM

Beth had had enough last fall. Her homeowners policy premiums just became too much. She had to find something cheaper. She found an insurance agent ...

Topics: replacement cost, deductible, hail, claim, TRUE Texas Home Insurance

What Is Functional Replacement Cost On Historical Homes?

Posted by Ron Wadley on Feb 4, 2025 9:49:12 AM

David loves his house in Dallas. It just ticked over being 100 years old. He’s proud to own a piece of history since so many Dallas homes have been ...