David lives in a quiet neighborhood in Plano where he has raised his kids and keeps his property in tip-top shape. He is the kind of guy who knows exactly when his HVAC filter needs changing and he stays on top of his home maintenance like a hawk.
When a standard North Texas hail storm rolled through last spring, David did not panic because he knew he had a replacement cost policy from his home insurance companies. He watched the golf ball sized chunks of ice bounce off his lawn and figured he would just have to pay his deductible to get everything squared away.
He called a professional roofing contractor to come out for a damage assessment and the news was exactly what he expected. The storm's updraft had produced enough wind velocity to cause significant roof hail damage across his asphalt shingles.
His roofing specialist pointed out clear granule loss and dented roofing materials that were going to lead to leaks if they were not addressed immediately. David filed his home insurance claim and waited for the adjuster to give him the green light to start the work.
That's when he got the bad news.
The adjuster called and sounded positive. The total estimate for the new roof was $22,000 and David knew he had a $8,000 deductible. But the adjust explained that the check from the insurance company was only going to be for $8,000.
What happened to the rest?
David called his insurance agency in a state of confusion to ask where the rest of the money was. That is when he learned about the depreciation trap. Because his roof was over ten years old, his policy had been shifted to a schedule that reduced the payout based on the age of the roof material. He was staring at a $14,000 gap that he had to cover out of his own pocket while still dealing with the hail and high winds of the storm season.
David's story is becoming the new normal for property owners across Texas. Not just Plano. We live in a part of the country often referred to as Hail Alley, and the frequency of severe weather has pushed insurance companies to their breaking point.
Every year, hail storms rack up billions of dollars in losses and it is the single biggest driver of premium increases for Texas Home Insurance. To keep their own costs down, the big corporate insurance carriers are shifting the financial burden back onto you.
They are doing this by moving away from traditional homeowners insurance that pays the full cost of a new roof. Instead, they are quietly inserting actual cash value endorsements or replacement cost schedules into your renewal paperwork. And homeowners like David aren't finding out until there is roof damage and an insurance claim is being processed.
Most people do not realize their coverage is evaporating year by year until they are standing in their driveway looking at a pile of ice from a hail storm.
If you want to understand how this affects you like it did David, we have to look at how your roofing system is rated and insured. Most standard asphalt shingles are not designed to withstand the heavy impact of a major Texas hail storm. It's why the insurance companies don't like to cover a basic 3-Tab shingle.
Many homeowners have been shifting to impact-resistant roofing materials like a shingle with a Class 4 rating. These have been tested with steel balls dropped from height to simulate the impact resistance needed to survive a storm. And some homeowners are using metal roofing or clay tiles to get a better impact rating trying to avoid claims.
While installing these impact-resistant shingles or metal roofs can help avoid an insurance claim, and sometimes earn you a discount on your homeowners insurance, it does not solve the problem of sky high deductibles.
If you have a policy with a 2% or 3% deductible for hail storms on a $500,000 home, you are already on the hook for $10,000 or $15,000 before the insurance company pays a dime. When you add depreciation from the roof payment schedule on top of that deductible, the math becomes a nightmare for the average family.
Insurance companies are also getting much more aggressive with their roof inspection process for these claims. They use drones and high-resolution satellite imagery to look at your roof vents and metal flashing for any signs of pre-existing damage. If they decide the damage was caused by a lack of maintenance rather than a specific hail report from a recent storm, they might deny the claim entirely.
They are looking for any reason to avoid paying for a full replacement due to storm damage on your roof.
Fortunately, Texans have a new way to handle these hail claims. The traditional insurance model is leaving too many Texans exposed to financial problems. You need a solution that covers the gap that your main policy leaves behind while raising your premiums year after year.
We have found a standalone hail insurance product that changes the entire conversation around roof damage. This is not like your standard auto policy or home coverage. It is a specialized tool designed specifically for people living in hail-prone regions.
These policies provide a flat amount of money, up to $25,000, that is paid out when you have visual proof of damage and verifiable hail data from weather services. You do not have to wait for a sluggish adjuster to come out and argue about granule loss or the age of your roof.
One of the best parts about this protection is that it does not count against your loss history with your primary insurance company. In the current market, filing a small claim can lead to your rates skyrocketing or even getting your policy canceled at renewal.
Because this is a separate indemnity product, you can get the cash you need to cover your deductible, repair your gutter guards or replace your shingles without risking your main policy status.
The payout on these hail claims happens quickly, usually within two weeks of a covered loss. This allows you to hire a reputable roofing company and get the work done before the next round of severe weather arrives.
You won't be stuck waiting in a long line of homeowners who are all fighting with their carriers over depreciation schedules. It gives you the liquidity to act fast and protect your home from further interior damage.
This product is available to all Texas homeowners regardless of the age of the home or the current condition of the roof.
Whether you have traditional shingles or high-end hail-resistant materials, this coverage sits right alongside your existing policy to act as a financial buffer.
It is about giving you the clarity and confidence to know that a storm does not have to mean a massive withdrawal from your savings account. This is what the True Texas Home Insurance program is all about. Protecting Texas homeowners during either of our hail seasons.
We want you to stop guessing and start knowing exactly where you stand. Our goal is to make sure you have a plan in place before the NOAA Weather Radio starts goings off in the middle of the night.
You deserve to have peace of mind knowing that your financial future is protected from the unpredictable nature of Texas weather. We have seen too many people like David get blindsided by the fine print, and we are here to make sure that does not happen to you.
Click the button below to get your own special roof protection policy today!