--- title: Hail Insurance For Your Grapevine Home description: Have you ever wondered what hail insurance for your home actually means? Insurance For Texans helps you understand how and when to make a claim after a hail storm for your home in Grapevine or anywhere in North Texas. Let an Independent Insurance Agent help you navigate the hail storms. image: https://www.insurancefortexans.com/hubfs/Stock%20images/Smiling%20blonde%20holding%20umbrella%20against%20calm%20sea%20with%20lighthouse.jpeg --- ![IFTWebHeader-1-1](https://www.insurancefortexans.com/hs-fs/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png?width=1384&height=307&name=IFTWebHeader-1-1.png "IFTWebHeader-1-1") ## Insurance For Texans Blog All the Insurance Topics a Texan Could Want This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. # Hail Insurance For Your Grapevine Home Posted by [Ron Wadley](https://www.insurancefortexans.com/blog/author/ron-wadley) on Apr 25, 2020 1:50:58 PM ![Ron Wadley](https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png) Find me on: [Facebook ](https://www.facebook.com/ron.wadley.3) [LinkedIn](https://www.linkedin.com/in/ronwadley/) [Twitter ](https://twitter.com/rdw0330) - [Tweet](https://twitter.com/share) [Grapevine, Texas](https://www.insurancefortexans.com/grapevine-home-insurance-0) weather is like a box of chocolates. Sometimes you don't know what you're going to get, but you know what kind of weather we can get.  Hail can announce its presence of authority suddenly. It is what sends homeowners scrambling to clear their garage to get the vehicle inside. As the roof is pounded, it causes us to wince at the possible damage.  It is the MOST FREQUENT CLAIM made on a Grapevine home.  Let's take a further look . . . ![Hail Storms Don't Make Home Insurance Agents Smile](https://www.insurancefortexans.com/hs-fs/hubfs/Stock%20images/Smiling%20blonde%20holding%20umbrella%20against%20calm%20sea%20with%20lighthouse.jpeg?width=600&name=Smiling%20blonde%20holding%20umbrella%20against%20calm%20sea%20with%20lighthouse.jpeg) What you want to consider first regarding your homeowners insurance policy is the type of settlement you will see for a claim on your damaged roof.  If you have an older roof, say 15 to 20 years old, you may see "actual cash value" or "depreciated value" as the means of determining the amount to repair or replace your roof.  Full replacement cost is ideal, because it is just that. Not a portion of your roof cost, not a lesser value determined by age, but full replacement.  You want to be certain how your carrier views the age of your roof. Yes, it may be a 30 year roof you or the previous homeowner had installed, but the Texas heat can make the sturdiest of shingles cry and lose their integrity.  Your carrier knows this is true and justifies deflating the value of your roof as a result.  You want to know what you've signed up for. This will help keep you from any unwanted surprises when it comes time to pay that deductible to repair or replace your roof.  ![Home Insurance claims require money to finish them out](https://www.insurancefortexans.com/hs-fs/hubfs/Stock%20images/Close%20up%20of%20a%20pink%20piggy%20bank%20with%20dollars%20beside%20miniature%20house%20model%20on%20white%20background.jpeg?width=600&name=Close%20up%20of%20a%20pink%20piggy%20bank%20with%20dollars%20beside%20miniature%20house%20model%20on%20white%20background.jpeg) You also want to keep deductibles in mind. For Wind and Hail, you will see a separate line item on your policy. Most of the insurance carriers writing in Texas mark the wind and hail deductible at 1% of the dwelling value (at least).  If your dwelling value is $300K, then 1% equals a $3K deductible you would pay. Are you sitting down? Some carriers require 2% or even more.  Might having to pay $6K to fix your roof make you think twice about how much damage must occur before you decide to repair or replace your roof? Here's where we see more nuance. If hail damage is horrendous and allows water to pour into your home causing further damage, some policies may not cover this episode.  YOU WANT TO KNOW WHAT COVERAGE YOU HAVE.  It pains us at Insurance For Texans to hear about homeowners coming from previous carrier relationships having no idea what their coverage afforded them in the event of a roofing claim.  That's why we see ourselves as insurance consultants, wanting to find the best coverage for you in the event you have to make a claim.  We want to give you no reason to ever return to the big insurance company when you have great options right here with us.   [![I Want The BEST Grapevine Home Insurance](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/2659071/b8991eae-9f1c-4ab5-967f-fc98e4923fa2.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/2659071/b8991eae-9f1c-4ab5-967f-fc98e4923fa2) Topics: [home insurance](https://www.insurancefortexans.com/blog/tag/home-insurance), [Texas](https://www.insurancefortexans.com/blog/tag/texas), [weather](https://www.insurancefortexans.com/blog/tag/weather), [insurance for texans](https://www.insurancefortexans.com/blog/tag/insurance-for-texans), [independent insurance broker](https://www.insurancefortexans.com/blog/tag/independent-insurance-broker), [replacement cost](https://www.insurancefortexans.com/blog/tag/replacement-cost), [actual cash value](https://www.insurancefortexans.com/blog/tag/actual-cash-value), [Fort Worth](https://www.insurancefortexans.com/blog/tag/fort-worth), [windstorms](https://www.insurancefortexans.com/blog/tag/windstorms), [claim settlement](https://www.insurancefortexans.com/blog/tag/claim-settlement), [deductible](https://www.insurancefortexans.com/blog/tag/deductible), [North Texas](https://www.insurancefortexans.com/blog/tag/north-texas), [Dallas](https://www.insurancefortexans.com/blog/tag/dallas), [Dallas/Fort Worth](https://www.insurancefortexans.com/blog/tag/dallas-fort-worth), [percentage deductibles](https://www.insurancefortexans.com/blog/tag/percentage-deductibles), [dwelling](https://www.insurancefortexans.com/blog/tag/dwelling), [hail](https://www.insurancefortexans.com/blog/tag/hail), [Grapevine](https://www.insurancefortexans.com/blog/tag/grapevine), [Grapevine Home Insurance](https://www.insurancefortexans.com/blog/tag/grapevine-home-insurance) ![Ron Wadley](https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png) About the Author ### 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. "Uncle Ron" started Insurance For Texans, an independent insurance agency located in Dallas-Fort Worth, in 2017 after seeing a need to provide many different kinds of solutions to the everyday problems that folks have. After having an agency that could only offer a single solution for insurance for a few years, he came to the conclusion that it was time to make a change for the betterment of all Texans. And Insurance For Texans was born out of a vision to put the customer first ahead of a big insurance company. [Connect with Ron on LinkedIn](https://www.linkedin.com/in/ronwadley/) #### Links #### Contact Us ** 469.789.0220 ** [info@insurancefortexans.com](mailto:yourname@company.com) ** 6777 Camp Bowie Blvd #329 Fort Worth, TX 76116 [**](https://www.insurancefortexans.com/blog/hail-insurance-for-your-grapevine-home-0#) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Ron Wadley", "url" : "https://www.insurancefortexans.com/blog/author/ron-wadley" }, "dateModified" : "2020-04-25T18:50:58.937Z", "datePublished" : "2020-04-25T18:50:58.000Z", "headline" : "Hail Insurance For Your Grapevine Home", "image" : [ "https://www.insurancefortexans.com/hubfs/Stock%20images/Smiling%20blonde%20holding%20umbrella%20against%20calm%20sea%20with%20lighthouse.jpeg" ], "mainEntityOfPage" : { "@id" : "https://www.insurancefortexans.com/blog/hail-insurance-for-your-grapevine-home-0", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.insurancefortexans.com/hubfs/InsuranceForTexans%20Logo%20skinny.webp" }, "name" : "Insurance For Texans Group, Inc" } } ``` ```json { "@context": "https://schema.org", "@type": "BlogPosting", "headline": "Hail Insurance For Your Grapevine Home", "author": { "@type": "Person", "name": "Ron Wadley", "description": "Ron is the principal agent at Insurance For Texans and has more than 20 years in the insurance business. 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