Insurance For Texans Blog

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Why Replacement Cost Value is a Property Owner’s Best Friend

Posted by Ron Wadley on Mar 16, 2026 4:07:27 PM
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Topics: actual cash value, Replacement Cost Value

What Is Actual Cash Value? How Depreciation Affects Property Insurance

Posted by Ron Wadley on Mar 13, 2026 2:26:42 PM
" \n What is actual cash value? \n \n Actual Cash Value (ACV) is a method of valuing property based on its replacement cost minus depreciation (the ...
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Topics: actual cash value

Actual Cash Value vs Replacement Cost: Insuring Your Church’s Roof in Texas

Posted by Brad Hancock on Nov 4, 2024 8:00:00 AM
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Topics: replacement cost, actual cash value, Church Insurance

Is It Better To Have Actual Cash Value Or Replacement Cost On Churches

Posted by Amanda Minter on Oct 21, 2024 4:02:17 PM
" \n Key Takeaways \n \n \n Replacement Cost is about rebuilding your church like it was, while Actual Cash Value is about what your church property ...
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Topics: replacement cost, actual cash value, hail, property, Church Insurance

Does A Roof Payment Schedule Matter If I Claim Every Three Years?

Posted by Ron Wadley on May 14, 2024 5:03:23 PM
Even though the spring hail storm season was almost coming to a close, Denton got hit by yet another large event with some baseball sized hail. Most ...
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Topics: replacement cost, actual cash value, roofing schedule, TRUE Texas Home Insurance

Hail Insurance For Your Home

Posted by Ron Wadley on Mar 13, 2024 11:45:00 AM
Even with the mass migration of new people to our great state, if you have lived here for more than a hot minute you've seen some weather. Texans new ...
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Topics: home insurance, Texas, weather, insurance for texans, independent insurance broker, replacement cost, actual cash value, Fort Worth, windstorms, claim settlement, deductible, North Texas, Dallas, Dallas/Fort Worth, percentage deductibles, dwelling, Burleson Home Insurance, hail

Weathering the Storm: Surviving Hail Coverage Shifts in Texas

Posted by Ron Wadley on Feb 20, 2024 4:45:48 PM
Gene sat in his Lubbock kitchen, staring at the renewal documents for his home insurance coverage. The Texas sky outside was clear today, but Gene's ...
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Topics: actual cash value, deductible, Dallas/Fort Worth, hail, Home Insurance Tips, roofing schedule, TRUE Texas Home Insurance, lubbock

Why Won't My Insurance Coverage Replace My Roof?

Posted by Ron Wadley on Dec 29, 2023 10:15:00 AM
With all of the insurance companies being in the news for the wicked increases in home insurance rates over the last two years, more and more Texans ...
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Topics: replacement cost, actual cash value, windstorms, hail, roofing schedule, TRUE Texas Home Insurance, Austin

Why Do You Need Replacement Cost on Personal Belongings?

Posted by Ron Wadley on Jan 30, 2021 12:38:35 PM
Nobody wants to think about a major catastrophe involving your home. Yet, knowing bad things happen from time to time regardless of where you live, ...
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Topics: home insurance, Texas, replacement cost, actual cash value, windstorms, hail, Theft, flood insurance, Grapevine, Grapevine Home Insurance

Will My Home Insurance Policy Replace My 15-Year Old Grapevine Roof?

Posted by Ron Wadley on Jun 30, 2020 6:16:56 PM
Hail. Like death and taxes, some things in life are inevitable. Hailstorms blow through North Texas each spring and sometimes, just to keep it fun, ...
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Topics: replacement cost, actual cash value, claim settlement, North Texas, Dallas/Fort Worth, homeowners insurance, Home Insurance Tips, Grapevine Home Insurance