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Insurance For Texans Blog

All the Insurance Topics a Texan Could Want

    Is It Worth It To Keep A 1% Hail Deductible On Texas Home Insurance?

    Posted by Ron Wadley on Jul 9, 2025 5:41:08 PM
    Steve has lived in Tyler all his life. He’s been in his current home for six years now and, like many Texans, he's no stranger to hail storms. Every ...
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    Topics: replacement cost, deductible, hail, roofing schedule, TRUE Texas Home Insurance

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

    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, ...
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    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 ...
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    Topics: replacement cost, hail, TRUE Texas Home Insurance

    Is Functional Replacement Cost Bad For My Church Insurance Policy?

    Posted by Amanda Minter on Mar 17, 2025 9:15:00 AM
    There are many churches in Texas that have been around for decades. Some of them are even more than a century old. These old church buildings are ...
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    Topics: replacement cost, property, Church Insurance, Risk Purchasing Group

    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 ...
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    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 ...
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    Topics: replacement cost, Home Insurance Tips, TRUE Texas Home Insurance

    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
    Even though hail season has been quiet this fall, Arnold knew that it will not last forever. Death, Taxes, and Hail Storms are inevitable no matter ...
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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