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Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2019-07-08</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/life-insurance-is-the-best-valentines-day-gift-ever</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Life%20Insurance%20Is%20The%20Best%20Valentines%20Day%20Gift%20Ever!.png</image:loc><image:caption>Life Insurance Is The Best Valentines Day Gift Ever!</image:caption><image:title>Life Insurance Is The Best Valentines Day Gift Ever!</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Kevin%20Hall%20-%20Headshot-smaller%20size.png</image:loc><image:caption>Insurance For Texans Life &amp; Health Insurance Specialist 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Daycare</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Education%20Insurance%20-%20Daycare%20&amp;%20Preschool%20Programs.png</image:loc><image:caption>True Texas Education Insurance - Daycare &amp; Preschool Programs</image:caption><image:title>True Texas Education Insurance - Daycare &amp; Preschool Programs</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png</image:loc><image:caption>Insurance For Texans Principal Agent Bradley Hancock</image:caption><image:title>Brad Hancock - Headshot-small size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2025-10-15</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-texas-churches-are-struggling-with-property-insurance-in-2025</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Amanda%20Minter%20-%20Church%20Insurance%20Specialist%20-%20Insurance%20For%20Texans.png</image:loc><image:caption>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:caption><image:title>Amanda Minter - Church Insurance Specialist - Insurance For 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2024</image:title></image:image><lastmod>2025-05-06</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/681b0e6b-aec9-48d6-b8c7-8251c446d33c</loc><lastmod>2026-04-02</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-is-an-accident-policy</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20Is%20An%20Accident%20Policy.png</image:loc><image:caption>What Is An Accident Policy</image:caption><image:title>What Is An Accident Policy</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/How%20Does%20An%20Accident%20Policy%20Pay.png</image:loc><image:caption>How Does An Accident Policy Pay</image:caption><image:title>How Does An Accident Policy Pay</image:title></image:image><lastmod>2022-01-15</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/if-you-are-a-single-mom-is-your-work-life-insurance-policy-enough</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Home%20Insurance%20For%20Texans.png</image:loc><image:caption>Home Insurance For Texans</image:caption><image:title>Home Insurance For Texans</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Happy%20mother%20and%20daughter%20laughing%20together%20outdoors.jpeg</image:loc><image:caption>Happy mother and daughter laughing together outdoors</image:caption><image:title>Happy mother and daughter laughing together outdoors</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Business%20people%20taking%20care%20of%20baby%20in%20office.jpeg</image:loc><image:caption>Business people taking care of baby in office</image:caption><image:title>Business people taking care of baby in office</image:title></image:image><lastmod>2022-01-14</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/f2ad4c46-94fa-4a7d-aa25-d933ba602000</loc><lastmod>2025-11-20</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-the-hail-means-for-your-insurance-claim</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2022-08-08</lastmod></url><url><loc>https://www.insurancefortexans.com/knowledge-base/what-are-roof-insurance-exclusions</loc><lastmod>2026-04-28</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-standalone-hail-policies-work-for-texas-homeowners</loc><video:video><video:thumbnail_loc>https://2659071.fs1.hubspotusercontent-na2.net/hubfs/2659071/how-standalone-hail-policies-work-for-texas-homeowners.mp4/medium.jpg</video:thumbnail_loc><video:title>How Standalone Hail Policies Work for Texas Homeowners</video:title><video:description>Texas Homeowners: How Standalone Hail &amp;amp; Wind Policies Work 

Ron from Insurance for Texans explains how standalone wind and hail policies work for Texas homeowners. These policies are designed to cover significant wind or hail events. Coverage may apply when hail is quarter-size or larger or when winds reach EF0 tornado-level speeds (including straight-line winds), and when weather data and photos confirm damage. 

When both align, the policy pays an agreed cash amount in 10–14 days. This cash can be used to offset a deductible, cover an actual cash value provision, or replace a roof up to $25,000.</video:description><video:content_loc>https://www.insurancefortexans.com/hubfs/how-standalone-hail-policies-work-for-texas-homeowners.mp4</video:content_loc><video:duration>175</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>HailDamageCoverage</video:tag><video:tag>WindAndHailProtection</video:tag><video:tag>StandaloneHailPolicy</video:tag><video:tag>TexasHomeInsurance</video:tag><video:tag>RoofReplacementInsurance</video:tag></video:video><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/How%20Standalone%20Hail%20Policies%20Work%20in%20Texas%20%20YouTube%20thumbnail-1.png</image:loc><image:caption>How Standalone Hail Policies Work in Texas  YouTube thumbnail-1</image:caption><image:title>How Standalone Hail Policies Work in Texas  YouTube thumbnail-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2026-06-29</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/is-a-fully-funded-or-self-funded-insurance-plan-better-for-my-school</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Education%20Insurance.png</image:loc><image:caption>True Texas Education Insurance</image:caption><image:title>True Texas Education Insurance</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Kevin%20Hall%20-%20Headshot-smaller%20size.png</image:loc><image:caption>Insurance For Texans Life &amp; Health Insurance Specialist - Kevin Hall</image:caption><image:title>Kevin Hall - Headshot-smaller size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Is%20A%20Fully%20Funded%20or%20Self%20Funded%20Insurance%20Plan%20Better%20For%20My%20School.png</image:loc><image:caption>Is A Fully Funded or Self Funded Insurance Plan Better For My School?</image:caption><image:title>Is A Fully Funded or Self Funded Insurance Plan Better For My School</image:title></image:image><lastmod>2025-01-29</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-is-home-insurance-personal-liability-0</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Young%20tired%20businessman%20sleeping%20at%20workplace%20in%20office.jpeg</image:loc><image:caption>Young tired businessman sleeping at workplace in office</image:caption><image:title>Young tired businessman sleeping at workplace in office</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Are%20you%20Covered%3F%20written%20on%20the%20road.jpeg</image:loc><image:caption>Are you Covered? 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Insurance</image:caption><image:title>The Basics Of Texas Business Insurance</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png</image:loc><image:caption>Insurance For Texans Principal Agent Bradley Hancock</image:caption><image:title>Brad Hancock - Headshot-small size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Is%20Your%20Business%20Insurance%20Policy%20Being%20Non-Renewed.png</image:loc><image:caption>Is Your Business Insurance Policy Being Non-Renewed?</image:caption><image:title>Is Your Business Insurance Policy Being Non-Renewed</image:title></image:image><lastmod>2025-02-21</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/life-moves-pretty-fast-but-insurance-planning-helps-you-look-around</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Newly-Wed-Mom-Dad.jpg</image:loc><image:caption>Newlywed Rick &amp;amp; Carol Wadley</image:caption><image:title>Newly-Wed-Mom-Dad</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Life-Moves-Pretty-Fast-Ferris-Bueller.jpg</image:loc><image:caption>Life moves pretty fast, if you don't stop and look around once in a while, you could miss it. - Ferris Bueller</image:caption><image:title>Life-Moves-Pretty-Fast-Ferris-Bueller</image:title></image:image><lastmod>2026-05-17</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-a-standalone-hail-policy-helps-offset-roof-payment-schedules</loc><video:video><video:thumbnail_loc>https://2659071.fs1.hubspotusercontent-na2.net/hubfs/2659071/how-a-standalone-hail-policy-helps-offset-roof-payment-schedules.mp4/medium.jpg</video:thumbnail_loc><video:title>How a Standalone Hail Policy Helps Offset Roof Payment Schedules</video:title><video:description>Older Roofs in Texas? 

Avoid Actual Cash Value Surprises with a Standalone Hail Policy

Ron from Insurance for Texans explains that many Texas homeowners with older roofs may not be covered as expected because insurers are shifting roof coverage from replacement cost to actual cash value. They are doing this by using roof payment schedules.</video:description><video:content_loc>https://www.insurancefortexans.com/hubfs/how-a-standalone-hail-policy-helps-offset-roof-payment-schedules.mp4</video:content_loc><video:duration>253</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>HailDamageCoverage</video:tag><video:tag>OlderRoofInsurance</video:tag><video:tag>StandaloneHailPolicy</video:tag><video:tag>TexasHomeInsurance</video:tag><video:tag>RoofReplacement</video:tag></video:video><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Covering%20an%20Older%20Roof%20in%20Texas%20YouTube%20thumbnail-1.png</image:loc><image:caption>Covering an Older Roof in Texas YouTube thumbnail-1</image:caption><image:title>Covering an Older Roof in Texas YouTube thumbnail-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2026-06-16</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-to-do-before-during-and-after-a-texas-storm</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/The%20Claims%20Process.png</image:loc><image:caption>The Claims Process</image:caption><image:title>The Claims Process</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/During%20A%20Texas%20Thunderstorm.png</image:loc><image:caption>During A Texas Thunderstorm</image:caption><image:title>During A Texas Thunderstorm</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/After%20A%20Texas%20Thunderstorm.png</image:loc><image:caption>After A Texas Thunderstorm</image:caption><image:title>After A Texas Thunderstorm</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20To%20Do%20Before%2c%20During%2c%20and%20After%20A%20Texas%20Storm.png</image:loc><image:caption>What To Do Before, During, and After A Texas Storm</image:caption><image:title>What To Do Before, During, and After A Texas Storm</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Navigating%20A%20Storm.gif</image:loc><image:caption>Navigating A Storm</image:caption><image:title>Navigating A Storm</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Before%20A%20Texas%20Thunderstorm.png</image:loc><image:caption>Before A Texas Thunderstorm</image:caption><image:title>Before A Texas Thunderstorm</image:title></image:image><lastmod>2019-10-21</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-i-regret-buying-cheap-home-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/How%20Long%20Does%20It%20Take%20To%20Get%20A%20Claim%20Taken%20Care%20Of.png</image:loc><image:caption>How Long Does It Take To Get A Claim Taken Care Of</image:caption><image:title>How Long Does It Take To Get A Claim Taken Care Of</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Why%20I%20Regret%20Buying%20Cheap%20Home%20Insurance.png</image:loc><image:caption>Why I Regret Buying Cheap Home Insurance</image:caption><image:title>Why I Regret Buying Cheap Home Insurance</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Actual%20Cash%20Value%20On%20The%20Roof.png</image:loc><image:caption>Actual Cash Value On The Roof</image:caption><image:title>Actual Cash Value On The Roof</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Lack%20of%20Water%20Coverage.png</image:loc><image:caption>Lack of Water Coverage</image:caption><image:title>Lack of Water Coverage</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2019-11-11</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/one-abuse-accusation-can-cost-a-school-everything-dont-take-the-risk</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png</image:loc><image:caption>Insurance For Texans Principal Agent Bradley Hancock</image:caption><image:title>Brad Hancock - Headshot-small size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/One%20Abuse%20Accusation%20Can%20Cost%20A%20School%20Everything%20Don%E2%80%99t%20Take%20The%20Risk.png</image:loc><image:caption>One Abuse Accusation Can Cost A School Everything: Don’t Take The Risk</image:caption><image:title>One Abuse Accusation Can Cost A School Everything Don’t Take The Risk</image:title></image:image><lastmod>2025-01-08</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/c7fcc8d4-5871-43bc-b72e-e07de2e30032</loc><lastmod>2026-02-13</lastmod></url><url><loc>https://www.insurancefortexans.com/ift-team</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance%20For%20Texans%20-%20Get%20A%20Quote.png</image:loc><image:caption>Insurance For Texans - Get A Quote</image:caption><image:title>Insurance For Texans - Get A Quote</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/20190107-DSCF7782-Edit.jpg</image:loc><image:caption>20190107-DSCF7782-Edit</image:caption><image:title>20190107-DSCF7782-Edit</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurancefortexans%20Nov%202017/Images/texasflagmed.jpg</image:loc><image:caption>texasflagmed</image:caption><image:title>texasflagmed</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/20190107-DSCF7771.jpg</image:loc><image:caption>20190107-DSCF7771</image:caption><image:title>20190107-DSCF7771</image:title></image:image><lastmod>2021-11-06</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/is-life-insurance-a-waste-of-money-if-im-young-healthy</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Is%20Life%20Insurance%20A%20Waste%20Of%20Money%20If%20Im%20Young%20&amp;%20Healthy.png</image:loc><image:caption>Is Life Insurance A Waste Of Money If Im Young &amp; Healthy</image:caption><image:title>Is Life Insurance A Waste Of Money If Im Young &amp; Healthy</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/3%20Key%20Reasons%20That%20You%20Need%20Life%20Insurance.png</image:loc><image:caption>3 Key Reasons That You Need Life Insurance</image:caption><image:title>3 Key Reasons That You Need Life Insurance</image:title></image:image><lastmod>2019-09-17</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-is-life-insurance-important</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Newly-Wed-Mom-Dad.jpg</image:loc><image:caption>Newlywed Rick &amp;amp; Carol Wadley</image:caption><image:title>Newly-Wed-Mom-Dad</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2022-01-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/actual-cash-value-vs-replacement-cost-home-insurance-0</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Young%20female%20businesswoman%20in%20the%20office.jpeg</image:loc><image:caption>Young female businesswoman in the office</image:caption><image:title>Young female businesswoman in the office</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Poor%20handsome%20young%20man%20in%20checkered%20shirt%20and%20jeans%20showing%20empty%20pockets%20over%20grey%20background.jpeg</image:loc><image:caption>Poor handsome young man in checkered shirt and jeans showing empty pockets over grey background</image:caption><image:title>Poor handsome young man in checkered shirt and jeans showing empty pockets over grey background</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2021-10-30</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/underwritten-vs.-guaranteed-issue-plans</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/istockphoto-1371002052-612x612.jpg</image:loc><image:caption>istockphoto-1371002052-612x612</image:caption><image:title>istockphoto-1371002052-612x612</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2022-08-08</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/understanding-retro-dates-in-church-liability-coverage</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Amanda%20Minter%20-%20Church%20Insurance%20Specialist%20-%20Insurance%20For%20Texans.png</image:loc><image:caption>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:caption><image:title>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Church%20Insurance.png</image:loc><image:caption>True Texas Church Insurance</image:caption><image:title>True Texas Church Insurance</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Understanding%20Retro%20Dates%20in%20Church%20Liability%20Coverage.png</image:loc><image:caption>Understanding Retro Dates in Church Liability Coverage</image:caption><image:title>Understanding Retro Dates in Church Liability Coverage</image:title></image:image><lastmod>2025-12-09</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/44e325cf-e4d2-447c-8dc1-ded0f9450be3</loc><lastmod>2025-12-10</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/are-you-paying-too-much-for-home-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Are%20you%20Covered%3F%20road%20sign%20with%20sun%20background.jpeg</image:loc><image:caption>Are you Covered? road sign with sun background</image:caption><image:title>Are you Covered? road sign with sun background</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Budgeting%20-%20Three%20Arrows%20Hit%20in%20Red%20Target%20on%20a%20Hanging%20Sack%20on%20Green%20Bokeh%20Background..jpeg</image:loc><image:caption>Budgeting - Three Arrows Hit in Red Target on a Hanging Sack on Green Bokeh Background.</image:caption><image:title>Budgeting - Three Arrows Hit in Red Target on a Hanging Sack on Green Bokeh Background.</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/drawing%20idea%20pencil%20and%20light%20bulb%20concept%20outside%20the%20box%20as%20creative%20and%20leadership%20concept.jpeg</image:loc><image:caption>drawing idea pencil and light bulb concept outside the box as creative and leadership concept</image:caption><image:title>drawing idea pencil and light bulb concept outside the box as creative and leadership concept</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2019-03-23</lastmod></url><url><loc>https://www.insurancefortexans.com/knowledge-base/what-is-an-hmo-health-plan</loc><lastmod>2026-04-22</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/invoice-manipulation-and-your-cyber-liability-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Protecting%20Your%20Business%20Against%20Invoice%20Manipulation.png</image:loc><image:caption>Protecting Your Business Against Invoice Manipulation</image:caption><image:title>Protecting Your Business Against Invoice Manipulation</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png</image:loc><image:caption>Insurance For Texans Principal Agent Bradley Hancock</image:caption><image:title>Brad Hancock - Headshot-small size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20Is%20Invoice%20Manipulation.png</image:loc><image:caption>What Is Invoice Manipulation</image:caption><image:title>What Is Invoice Manipulation</image:title></image:image><lastmod>2023-02-01</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/is-a-daycare-insurance-quote-that-is-grossly-cheaper-than-others-good</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png</image:loc><image:caption>Insurance For Texans Principal Agent Bradley Hancock</image:caption><image:title>Brad Hancock - Headshot-small size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Is%20A%20Daycare%20Insurance%20Quote%20That%20Is%20Grossly%20Cheaper%20Than%20Others%20Good.png</image:loc><image:caption>Is A Daycare Insurance Quote That Is Grossly Cheaper Than Others Good?</image:caption><image:title>Is A Daycare Insurance Quote That Is Grossly Cheaper Than Others Good</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Education%20Insurance%20-%20Daycare%20&amp;%20Preschool%20Programs.png</image:loc><image:caption>True Texas Education Insurance - Daycare &amp; Preschool Programs</image:caption><image:title>True Texas Education Insurance - Daycare &amp; Preschool Programs</image:title></image:image><lastmod>2025-10-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/a-guide-to-self-funded-health-plans-for-small-business-owners-in-texas</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/How%20Can%20I%20Get%20A%20Group%20Health%20Plan%20For%20My%20Business.png</image:loc><image:caption>How Can I Get A Group Health Plan For My Business?</image:caption><image:title>How Can I Get A Group Health Plan For My Business</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/A%20Guide%20to%20Self-Funded%20Health%20Plans%20for%20Small%20Business%20Owners%20in%20Texas.png</image:loc><image:caption>A Guide to Self-Funded Health Plans for Small Business Owners in Texas</image:caption><image:title>A Guide to Self-Funded Health Plans for Small Business Owners in Texas</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Kevin%20Hall%20-%20Headshot-smaller%20size.png</image:loc><image:caption>Insurance For Texans Life &amp; Health Insurance Specialist - Kevin Hall</image:caption><image:title>Kevin Hall - Headshot-smaller size</image:title></image:image><lastmod>2024-10-30</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-my-home-insurance-cover-theft</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Stealing%20from%20back.jpeg</image:loc><image:caption>Stealing from back</image:caption><image:title>Stealing from back</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Interior%20of%20modern%20comfortable%20hotel%20room.jpeg</image:loc><image:caption>Interior of modern comfortable hotel room</image:caption><image:title>Interior of modern comfortable hotel room</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Storage%20warehouse%20at%20outdoor.jpeg</image:loc><image:caption>Storage warehouse at outdoor</image:caption><image:title>Storage warehouse at outdoor</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2019-04-19</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-replacement-cost-value-is-a-property-owners-best-friend</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Replacement%20Cost.png</image:loc><image:caption>Replacement Cost</image:caption><image:title>Replacement Cost</image:title></image:image><lastmod>2026-03-16</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-home-insurance-cover-my-airbnb</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20Can%20I%20Do%20To%20Cover%20My%20Home.png</image:loc><image:caption>What Can I Do To Cover My Home</image:caption><image:title>What Can I Do To Cover My Home</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20Does%20The%20Airbnb%20Insurance%20Policy%20Actually%20Cover.png</image:loc><image:caption>What Does The Airbnb Insurance Policy Actually Cover</image:caption><image:title>What Does The Airbnb Insurance Policy Actually Cover</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Does%20Home%20Insurance%20Cover%20My%20Airbnb.png</image:loc><image:caption>Does Home Insurance Cover My Airbnb</image:caption><image:title>Does Home Insurance Cover My Airbnb</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2022-01-09</lastmod></url><url><loc>https://www.insurancefortexans.com/texas-home-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/InsuranceForTexans%20Logo%20skinny.webp</image:loc><image:caption>InsuranceForTexans Logo skinny</image:caption><image:title>InsuranceForTexans Logo skinny</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Home%20Insurance%20-%20Deductibles.png</image:loc><image:caption>Home Insurance - Deductibles</image:caption><image:title>Home Insurance - Deductibles</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Home%20Insurance%20Logo%20-%201200%20X%20300.png</image:loc><image:caption>True Texas Home Insurance Logo - 1200 X 300</image:caption><image:title>True Texas Home Insurance Logo - 1200 X 300</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Home%20Insurance%20-%20Property%20Coverage.png</image:loc><image:caption>Home Insurance - Property Coverage</image:caption><image:title>Home Insurance - Property Coverage</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurancefortexans%20Nov%202017/Images/texasflagmed.jpg</image:loc><image:caption>texasflagmed</image:caption><image:title>texasflagmed</image:title></image:image><lastmod>2023-09-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/sign-up-before-aca-open-enrollment-2024-closes</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Kevin%20Hall%20-%20Headshot-smaller%20size.png</image:loc><image:caption>Insurance For Texans Life &amp; Health Insurance Specialist - Kevin Hall</image:caption><image:title>Kevin Hall - Headshot-smaller size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Sign%20Up%20Before%20ACA%20Open%20Enrollment%202024%20Closes.png</image:loc><image:caption>Sign Up Before ACA Open Enrollment 2024 Closes</image:caption><image:title>Sign Up Before ACA Open Enrollment 2024 Closes</image:title></image:image><lastmod>2024-01-10</lastmod></url><url><loc>https://www.insurancefortexans.com/knowledge-base/what-is-property-insurance</loc><lastmod>2026-04-07</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-texas-home-insurance-cover-my-trampoline-0</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Full%20length%20of%20a%20happy%20family%20jumping%20high%20on%20trampoline%20in%20the%20park.jpeg</image:loc><image:caption>Full length of a happy family jumping high on trampoline in the park</image:caption><image:title>Full length of a happy family jumping high on trampoline in the park</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2020-06-01</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/139b4d21-feed-497f-8d89-f994efebbe83</loc><lastmod>2026-06-19</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-do-you-know-your-church-has-enough-auto-insurance</loc><lastmod>2025-11-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/texas-church-insurance-basics</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Amanda%20Minter%20-%20Church%20Insurance%20Specialist%20-%20Insurance%20For%20Texans.png</image:loc><image:caption>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:caption><image:title>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Texas%20Church%20Insurance%20basics.png</image:loc><image:caption>Texas Church Insurance basics</image:caption><image:title>Texas Church Insurance basics</image:title></image:image><lastmod>2024-11-11</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/texas-hail-insurance-how-standalone-policies-help-offset-rising-costs</loc><video:video><video:thumbnail_loc>https://2659071.fs1.hubspotusercontent-na2.net/hubfs/2659071/texas-hail-insurance-how-standalone-policies-help-offset-rising-costs.mp4/medium.jpg</video:thumbnail_loc><video:title>Texas Hail Insurance: How Standalone Policies Help Offset Rising Costs</video:title><video:description>How a Standalone Hail Policy Can Protect You After Storm Season

Ron is the owner and principal agent at Insurance for Texans. Through our True Texas Home Insurance program we offer options for Texas homeowners. Ron explains that as spring storm season winds down in Texas, many homeowners still worry about how their policy would handle a hail claim after hearing neighbors’ negative experiences.

He says many Texans believe they have coverage that they don’t, and suggests considering a standalone hail policy to provide protection that works for the homeowner. Ron notes these policies can help cover deductibles, offset actual cash value provisions, and even enable roof replacement without involving the home insurance company. They also offer cash in your pocket within 10–14 days to pay a roofer.</video:description><video:content_loc>https://www.insurancefortexans.com/hubfs/texas-hail-insurance-how-standalone-policies-help-offset-rising-costs.mp4</video:content_loc><video:duration>150</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>SpringStormSeason</video:tag><video:tag>TexasHailInsurance</video:tag><video:tag>HailClaimsCoverage</video:tag><video:tag>StandaloneHailPolicy</video:tag><video:tag>RoofReplacement</video:tag></video:video><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Are%20you%20worried%20about%20how%20you%20would%20pay%20for%20a%20hail%20claim%20YouTube%20thumbnail-1.png</image:loc><image:caption>Are you worried about how you would pay for a hail claim YouTube thumbnail-1</image:caption><image:title>Are you worried about how you would pay for a hail claim YouTube thumbnail-1</image:title></image:image><lastmod>2026-06-22</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-home-insurance-cover-slab-leaks</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Construction%20working%20assemble%20iron%20grids%20into%20the%20frame%20ready%20for%20concrete%20work.jpeg</image:loc><image:caption>Construction working assemble iron grids into the frame ready for concrete work</image:caption><image:title>Construction working assemble iron grids into the frame ready for concrete work</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Encrusted%20old%20pipes%20in%20a%20dump%20-%20grunge%20close-up.jpeg</image:loc><image:caption>Encrusted old pipes in a dump - grunge close-up</image:caption><image:title>Encrusted old pipes in a dump - grunge close-up</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2023-12-05</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/f721976d-6e20-4e1a-8a8c-d0d76f477967</loc><lastmod>2026-02-12</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/three-things-texas-daycares-need-to-know-about-insurance-today</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png</image:loc><image:caption>Insurance For 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dimension</image:title></image:image><lastmod>2022-08-17</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/business-insurance-basics-business-owners-policy</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/The%20Basics%20Of%20Business%20Insurance%20-%20Business%20Owners%20Policy.png</image:loc><image:caption>Business Owner's Policies are part of the Basics of Texas Business Insurance</image:caption><image:title>The Basics Of Business Insurance - Business Owners Policy</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png</image:loc><image:caption>Insurance For Texans Principal Agent Bradley Hancock</image:caption><image:title>Brad Hancock - Headshot-small size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Business%20Owner%20Policies%20-%20Types%20Of%20Coverage.png</image:loc><image:caption>A Business Owner's Policy will 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Health Insurance Specialist - Kevin Hall</image:caption><image:title>Kevin Hall - Headshot-smaller size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Texas%20Storms%20Bring%20Out%20True%20Heroes...And%20Advocates.png</image:loc><image:caption>Texas Storms Bring Out True Heroes...And Advocates</image:caption><image:title>Texas Storms Bring Out True Heroes...And Advocates</image:title></image:image><lastmod>2023-06-26</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-isnt-the-entire-roof-being-replaced-on-my-home</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Why%20Isnt%20The%20Entire%20Roof%20Being%20Replaced%20On%20My%20Home.png</image:loc><image:caption>Why Isn't The Entire Roof Being Replaced On My Home?</image:caption><image:title>Why Isnt The Entire Roof Being Replaced On My Home</image:title></image:image><lastmod>2024-01-05</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-is-vacant-structure-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/for_rent_1.png</image:loc><image:caption>for_rent_1</image:caption><image:title>for_rent_1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2022-01-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-is-a-wind-hail-deductible-0</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/How%20Does%20A%20Wind%20Hail%20Deductible%20Affect%20Me.png</image:loc><image:caption>How Does A Wind Hail Deductible Affect Me</image:caption><image:title>How Does A Wind Hail Deductible Affect Me</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20Is%20A%20Wind%20Hail%20Deductible.png</image:loc><image:caption>What Is A Wind Hail Deductible</image:caption><image:title>What Is A Wind Hail Deductible</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2021-10-30</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/83e82d91-f56e-48df-9a1e-d5af89556d38</loc><lastmod>2026-02-12</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/3b3e4395-0f4c-45dd-be1b-245b5442299e</loc><lastmod>2026-06-05</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-is-sewer-and-drain-backup-0</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Side%20view%20profile%20portrait%20middle%20aged%20woman%20covers%20pinches%20her%20nose%20with%20hand%20looks%20with%20disgust%2c%20something%20stinks%20bad%20smell%20situation%20isolated%20yellow%20background.%20Human%20face%20expression%20body%20language.jpeg</image:loc><image:caption>Side view profile portrait middle aged woman covers pinches her nose with hand looks with disgust, something stinks bad smell situation isolated yellow background. Human face expression body language</image:caption><image:title>Side view profile portrait middle aged woman covers pinches her nose with hand looks with disgust, something stinks bad smell situation isolated yellow background. Human face expression body language</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/3D%20man%20popping%20out%20from%20a%20hole%20-%20isolated%20over%20a%20white%20background.jpeg</image:loc><image:caption>3D man popping out from a hole - isolated over a white background</image:caption><image:title>3D man popping out from a hole - isolated over a white background</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Sunny%20and%20cloudy%20concept%20with%20male%20housekeeper%20and%20orange%20gloves%20on%20his%20hand.jpeg</image:loc><image:caption>Sunny and cloudy concept with male housekeeper and orange gloves on his hand</image:caption><image:title>Sunny and cloudy concept with male housekeeper and orange gloves on his hand</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2022-01-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-qualifications-do-volunteer-church-security-members-need-in-texas</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20Qualifications%20Do%20Volunteer%20Church%20Security%20Members%20Need%20in%20Texas.png</image:loc><image:caption>What Qualifications Do Volunteer Church Security Members Need in Texas</image:caption><image:title>What Qualifications Do Volunteer Church Security Members Need in Texas</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Lindsi%20updated%20headshot.png</image:loc><image:caption>Lindsi updated headshot</image:caption><image:title>Lindsi updated headshot</image:title></image:image><lastmod>2026-06-03</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-is-home-insurance-for-new-builds-so-cheap-0</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Portrait%20of%20a%20young%20woman%20covering%20her%20mouth%20with%20palm%20and%20looking%20away%20over%20gray%20background.jpeg</image:loc><image:caption>Portrait of a young woman covering her mouth with palm and looking away over gray background</image:caption><image:title>Portrait of a young woman covering her mouth with palm and looking away over gray background</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Young%20adults%20moving%20in%20new%20home.jpeg</image:loc><image:caption>Young adults moving in new home</image:caption><image:title>Young adults moving in new home</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2020-05-09</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/faithful-stewardship-answers-the-hard-questions-about-church-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Week%2027%20Podcast%20Blog%20Image.png</image:loc><image:caption>Week 27 Podcast Blog Image</image:caption><image:title>Week 27 Podcast Blog Image</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/undefined-1.png</image:loc><image:caption>undefined-1</image:caption><image:title>undefined-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/undefined-2.jpeg</image:loc><image:caption>undefined-2</image:caption><image:title>undefined-2</image:title></image:image><lastmod>2026-04-06</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/managing-rising-deductibles-deductible-buy-downs-for-texas-churches</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Church%20Insurance.png</image:loc><image:caption>True Texas Church Insurance</image:caption><image:title>True Texas Church Insurance</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Managing%20Rising%20Deductibles%20Deductible%20Buy%20Downs%20For%20Texas%20Churches.png</image:loc><image:caption>Managing Rising Deductibles: Deductible Buy Downs For Texas Churches</image:caption><image:title>Managing Rising Deductibles Deductible Buy Downs For Texas Churches</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png</image:loc><image:caption>Insurance For Texans Principal Agent Bradley Hancock</image:caption><image:title>Brad Hancock - Headshot-small size</image:title></image:image><lastmod>2026-02-13</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/should-i-keep-my-home-builders-insurance-plan</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Home%20Insurance%20Logo%20-%201200%20X%20300.png</image:loc><image:caption>True Texas Home Insurance Logo - 1200 X 300</image:caption><image:title>True Texas Home Insurance Logo - 1200 X 300</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Should%20I%20Keep%20My%20Home%20Builders%20Insurance%20Plan.png</image:loc><image:caption>Should I Keep My Home Builder's Insurance Plan?</image:caption><image:title>Should I Keep My Home Builders Insurance Plan</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2025-08-29</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/three-extra-days-could-save-you-thousands-why-texans-must-act-now</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Three%20Extra%20Days%20Could%20Save%20You%20Thousands%20Why%20Texans%20Must%20Act%20Now.png</image:loc><image:caption>Three Extra Days Could Save You Thousands: Why Texans Must Act Now</image:caption><image:title>Three Extra Days Could Save You Thousands Why Texans Must Act Now</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Kevin%20Hall%20-%20Headshot-smaller%20size.png</image:loc><image:caption>Insurance For Texans Life &amp; Health Insurance Specialist - Kevin Hall</image:caption><image:title>Kevin Hall - Headshot-smaller size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2024-12-16</lastmod></url><url><loc>https://www.insurancefortexans.com/texas-church-insurance-basics</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurancefortexans%20Nov%202017/Images/texasflagmed.jpg</image:loc><image:caption>texasflagmed</image:caption><image:title>texasflagmed</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/The%20Promise%20Of%20Certainty%20Promotion.png</image:loc><image:caption>The Promise Of Certainty Book To Help Churches</image:caption><image:title>The Promise Of Certainty Promotion</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Church%20Insurance.png</image:loc><image:caption>True Texas Church Insurance</image:caption><image:title>True Texas Church Insurance</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/InsuranceForTexans%20Logo%20skinny.webp</image:loc><image:caption>InsuranceForTexans Logo skinny</image:caption><image:title>InsuranceForTexans Logo skinny</image:title></image:image><lastmod>2026-04-06</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-texas-homeowners-can-get-cash-fast-after-a-hail-claim</loc><video:video><video:thumbnail_loc>https://2659071.fs1.hubspotusercontent-na2.net/hubfs/2659071/how-texas-homeowners-can-get-cash-fast-after-a-hail-claim.mp4/medium.jpg</video:thumbnail_loc><video:title>How Texas Homeowners Can Get Cash Fast After a Hail Claim</video:title><video:description>Texas Standalone Wind and Hail Coverage Explained

Ron is the owner and principal agent at Insurance for Texans. He explains how exhausting traditional Texas hail claims can be. 

Texas home insurance is changing and Insurance for Texans is now offering a standalone wind-and-hail product that can put a lump sum of cash in a homeowner’s bank account in 10–14 days after a covered hail claim. It allows Texas families  to negotiate directly with a roofer and schedule repairs on their terms. The policy lets customers buy a coverage amount that they desire. You can use it to cover the deductible, actual cash value difference, or the full roof replacement.</video:description><video:content_loc>https://www.insurancefortexans.com/hubfs/how-texas-homeowners-can-get-cash-fast-after-a-hail-claim.mp4</video:content_loc><video:duration>224</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>RoofReplacementProcess</video:tag><video:tag>InsuranceForTexans</video:tag><video:tag>WindAndHailCoverage</video:tag><video:tag>HailDamageClaims</video:tag><video:tag>TexasHomeInsurance</video:tag></video:video><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Want%20Cash%20for%20a%20Hail%20Claim%20in%20TexasYouTube%20thumbnail.png</image:loc><image:caption>Want Cash for a Hail Claim in TexasYouTube thumbnail</image:caption><image:title>Want Cash for a Hail Claim in TexasYouTube thumbnail</image:title></image:image><lastmod>2026-06-18</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/405c92c3-9fbb-4f10-a9f0-9631016804cc</loc><lastmod>2026-06-05</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/99c75382-1461-4392-a452-796f979bbe1b</loc><lastmod>2026-03-04</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/rising-insurance-costs-threaten-texas-private-schools-secrets-to-help</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Education%20Insurance%20-%20Private%20Schools.png</image:loc><image:caption>True Texas Education Insurance - 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size</image:title></image:image><lastmod>2024-07-23</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-long-do-i-have-to-file-a-home-insurance-claim-for-hail-damage</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/How%20Long%20Do%20I%20Have%20To%20File%20A%20Home%20Insurance%20Claim%20For%20Hail%20Damage.png</image:loc><image:caption>How Long Do I Have To File A Home Insurance Claim For Hail Damage</image:caption><image:title>How Long Do I Have To File A Home Insurance Claim For Hail Damage</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/roofing%20lotto%20bucket.jpg</image:loc><image:caption>roofing lotto bucket</image:caption><image:title>roofing lotto bucket</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/A%20small%20cottage%20and%20a%20three-dimensional%20stack%20of%20hundred-dollar%20bills.%20symbol%20of%20a%20successful%20real%20estate%20business.jpeg</image:loc><image:caption>A small cottage and a three-dimensional stack of hundred-dollar bills. symbol of a successful real estate business</image:caption><image:title>A small cottage and a three-dimensional stack of hundred-dollar bills. symbol of a successful real estate business</image:title></image:image><lastmod>2023-12-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/is-your-holiday-party-properly-insured</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Man%20in%20handcuffs%20standing%20by%20his%20car.jpeg</image:loc><image:caption>Man in handcuffs standing by his car</image:caption><image:title>Man in handcuffs standing by his car</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/group%20of%20happy%20friends%20waving%20at%20the%20camera%20in%20front%20of%20a%20limosine%20over%20a%20white%20background.jpeg</image:loc><image:caption>group of happy friends waving at the camera in front of a limosine over a white background</image:caption><image:title>group of happy friends waving at the camera in front of a limosine over a white background</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Group%20of%20businesspeople%20toasting%20glasses%20of%20champagne%20in%20office%20at%20night.jpeg</image:loc><image:caption>Group of businesspeople toasting glasses of champagne in office at night</image:caption><image:title>Group of businesspeople toasting glasses of champagne in office at night</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2022-01-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-is-the-dwelling-amount-on-home-insurance-calculated</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/How%20Is%20The%20Dwelling%20Amount%20on%20Home%20Insurance%20Calculated.png</image:loc><image:caption>How Is The Dwelling Amount on Home Insurance Calculated</image:caption><image:title>How Is The Dwelling Amount on Home Insurance Calculated</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/The%20Computer%20Finds%20An%20Estimate%20Based%20Off%20Of%20The%20Data.jpg</image:loc><image:caption>The Computer Finds An Estimate Based Off Of The Data</image:caption><image:title>The Computer Finds An Estimate Based Off Of The Data</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2019-08-09</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-texas-cyber-insurance-cover-lost-income</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png</image:loc><image:caption>Insurance For Texans Principal Agent Bradley Hancock</image:caption><image:title>Brad Hancock - Headshot-small size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Does%20Texas%20Cyber%20Insurance%20Cover%20Lost%20Income.png</image:loc><image:caption>Does Texas Cyber Insurance Cover Lost Income?</image:caption><image:title>Does Texas Cyber Insurance Cover Lost Income</image:title></image:image><lastmod>2025-06-30</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-a-standalone-hail-policy-can-eliminate-your-hail-deductible</loc><video:video><video:thumbnail_loc>https://2659071.fs1.hubspotusercontent-na2.net/hubfs/2659071/how-a-standalone-hail-policy-can-eliminate-your-hail-deductible.mp4/medium.jpg</video:thumbnail_loc><video:title>How a Standalone Hail Policy Can Eliminate Your Hail Deductible</video:title><video:description>Eliminate Your Hail Deductible

Standalone Hail Policy for Texas Homeowners

Ron is the owner and principal agent at Insurance for Texans. He says many Texas families have faced rising home insurance prices and increasingly high wind and hail deductibles. Insurers have been changing coverage terms and reducing what they pay, especially for roof claims. 

He introduces a standalone hail policy designed to help homeowners regain control by eliminating the escalating hail deductible and providing options for roof replacement, even on older roofs. 

The policy lets customers buy a pool of cash to cover deductibles, offset actual cash value provisions, or pay for a roof directly. For covered claims, funds arrive in 10–14 days after a storm.</video:description><video:content_loc>https://www.insurancefortexans.com/hubfs/how-a-standalone-hail-policy-can-eliminate-your-hail-deductible.mp4</video:content_loc><video:duration>206</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>RoofReplacementCoverage</video:tag><video:tag>HailInsuranceTexas</video:tag><video:tag>StandaloneHailPolicy</video:tag><video:tag>EliminateHailDeductible</video:tag><video:tag>TexasHomeInsurance</video:tag></video:video><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Solution%20for%20inflated%20wind%20and%20hail%20deductibles%20in%20TexasYouTube%20thumbnail-1.png</image:loc><image:caption>Solution for inflated wind and hail deductibles in TexasYouTube thumbnail-1</image:caption><image:title>Solution for inflated wind and hail deductibles in TexasYouTube 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Year</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Three%20bursts%20of%20fireworks%20in%20proximity.jpeg</image:loc><image:caption>Three bursts of fireworks in proximity</image:caption><image:title>Three bursts of fireworks in proximity</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Friends%20having%20drinks%20at%20the%20club%20looking%20very%20happy.jpeg</image:loc><image:caption>Friends having drinks at the club looking very happy</image:caption><image:title>Friends having drinks at the club looking very happy</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Two%20young%20men%20dancing%20on%20party.jpeg</image:loc><image:caption>Two young men dancing on party</image:caption><image:title>Two young men dancing on party</image:title></image:image><lastmod>2022-09-30</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/can-a-doctor-be-sued-for-more-than-250000-in-texas</loc><video:video><video:thumbnail_loc>https://2659071.fs1.hubspotusercontent-na2.net/hubfs/2659071/Can%20A%20Doctor%20Be%20Sued%20For%20More%20Than%20250000%20Dollars%20In%20Texas.mp4/medium.jpg</video:thumbnail_loc><video:title>Can A Doctor Be Sued For More Than 250000 Dollars In Texas</video:title><video:description>Can A Doctor Be Sued For More Than 250000 Dollars In Texas</video:description><video:content_loc>https://www.insurancefortexans.com/hubfs/Can%20A%20Doctor%20Be%20Sued%20For%20More%20Than%20250000%20Dollars%20In%20Texas.mp4</video:content_loc><video:duration>365</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/YES!%20A%20Doctor%20Can%20be%20Sued%20For%20More%20Than%20$250000%20in%20Texas.png</image:loc><image:caption>YES! 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1200 X 300</image:caption><image:title>True Texas Home Insurance Logo - 1200 X 300</image:title></image:image><lastmod>2025-04-30</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/home-insurance-claim-settlement-0</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Closeup%20portrait%20of%20young%20smiling%20student%20man%20holding%20books%20in%20one%20hand%20and%20wallet%20in%20the%20other%2c%20looking%20happy%2c%20while%20receiving%20money%20for%20college%20tuition%2c%20isolated%20on%20white%20background.%20Education%20value.jpeg</image:loc><image:caption>Closeup portrait of young smiling student man holding books in one hand and wallet in the other, looking happy, while receiving money for college tuition, isolated on white background. 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Church Insurance Specialist - Insurance For Texans</image:caption><image:title>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Why%20Your%20Church%20Struggles%20to%20Find%20Insurance%20Mistakes%20to%20Avoid.png</image:loc><image:caption>Why Your Church Struggles to Find Insurance: Mistakes to Avoid</image:caption><image:title>Why Your Church Struggles to Find Insurance Mistakes to Avoid</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Church%20Insurance.png</image:loc><image:caption>True Texas Church Insurance</image:caption><image:title>True Texas Church Insurance</image:title></image:image><lastmod>2026-02-02</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-is-the-insurance-company-inspecting-my-texas-daycare</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png</image:loc><image:caption>Insurance For Texans Principal Agent Bradley Hancock</image:caption><image:title>Brad Hancock - Headshot-small size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Why%20Is%20The%20Insurance%20Company%20Inspecting%20My%20Texas%20Daycare.png</image:loc><image:caption>Why Is The Insurance Company Inspecting My Texas Daycare?</image:caption><image:title>Why Is The Insurance Company Inspecting My Texas Daycare</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Education%20Insurance%20-%20Daycare%20&amp;%20Preschool%20Programs.png</image:loc><image:caption>True Texas Education Insurance - Daycare &amp; Preschool Programs</image:caption><image:title>True Texas Education Insurance - Daycare &amp; Preschool Programs</image:title></image:image><lastmod>2025-10-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/do-higher-deductibles-really-save-money-on-texas-home-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/mathematics%20student%20solving%20a%20problem%20on%20the%20screen%20-%20isolated%20over%20a%20white%20background.jpeg</image:loc><image:caption>mathematics student solving a problem on the screen - isolated over a white background</image:caption><image:title>mathematics student solving a problem on the screen - isolated over a white background</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Do%20Higher%20Deductibles%20Really%20Save%20Money%20On%20Home%20Insurance.png</image:loc><image:caption>Do Higher Deductibles Really Save Money On Home Insurance</image:caption><image:title>Do Higher Deductibles Really Save Money On Home Insurance</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2019-06-21</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-homeowners-insurance-cover-home-business</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Do%20You%20Need%20A%20Home%20Insurance%20Endorsement%20Or%20A%20Stand%20Alone%20Policy.png</image:loc><image:caption>Do You Need A Home Insurance Endorsement Or A Stand Alone Policy</image:caption><image:title>Do You Need A Home Insurance Endorsement Or A Stand Alone Policy</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Does%20Homeowners%20Insurance%20Cover%20Home%20Business.png</image:loc><image:caption>Does Homeowners Insurance Cover Home Business</image:caption><image:title>Does Homeowners Insurance Cover Home Business</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2019-08-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/faithful-stewardship-knows-how-to-manage-texas-church-insurance-costs</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Week%2023%20Podcast%20Blog%20Image.png</image:loc><image:caption>Week 23 Podcast Blog Image</image:caption><image:title>Week 23 Podcast Blog Image</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/undefined-2.jpeg</image:loc><image:caption>undefined-2</image:caption><image:title>undefined-2</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/undefined-1.png</image:loc><image:caption>undefined-1</image:caption><image:title>undefined-1</image:title></image:image><lastmod>2026-03-06</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/can-an-ihcra-save-my-texas-daycare-money-over-our-group-health-plan</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Kevin%20Hall%20-%20Headshot-smaller%20size.png</image:loc><image:caption>Insurance For Texans Life &amp; Health Insurance Specialist - Kevin Hall</image:caption><image:title>Kevin Hall - Headshot-smaller size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Can%20An%20IHCRA%20Save%20My%20Texas%20Daycare%20Money%20Over%20Our%20Group%20Health%20Plan.png</image:loc><image:caption>Can An IHCRA Save My Texas Daycare Money Over Our Group Health Plan</image:caption><image:title>Can An IHCRA Save My Texas Daycare Money Over Our Group Health Plan</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Education%20Insurance%20-%20Daycare%20&amp;%20Preschool%20Programs.png</image:loc><image:caption>True Texas Education Insurance - Daycare &amp; Preschool Programs</image:caption><image:title>True Texas Education Insurance - Daycare &amp; Preschool Programs</image:title></image:image><lastmod>2025-10-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/did-the-storms-miss-you-review-your-texas-hail-coverage-now</loc><video:video><video:thumbnail_loc>https://2659071.fs1.hubspotusercontent-na2.net/hubfs/2659071/did-the-storms-miss-you-review-your-texas-hail-coverage-now.mp4/medium.jpg</video:thumbnail_loc><video:title>Did the Storms Miss You? Review Your Texas Hail Coverage Now</video:title><video:description>Texas Hail Season Update

Avoid High Deductibles &amp;amp; ACV Roof Surprises with Standalone Hail Coverage

Ron from Insurance for Texans says Texas is nearing the end of spring hail season. Many homeowners have had poor claim experiences because they didn’t realize their coverage had changed over the last several years, including higher deductibles and roofs switching from replacement cost to actual cash value. 

He explains that major Texas home insurance companies have shifted more financial responsibility to homeowners, creating problems during claims. Ron shares an option to buy simple standalone wind and hail coverage. It can put cash in homeowners’ pockets in as little as 10 days after a covered event, potentially eliminating the deductible, covering the actual cash value gap, or allowing a full roof replacement without involving the home insurance company.</video:description><video:content_loc>https://www.insurancefortexans.com/hubfs/did-the-storms-miss-you-review-your-texas-hail-coverage-now.mp4</video:content_loc><video:duration>116</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>HailInsurance</video:tag><video:tag>HomeInsuranceTips</video:tag><video:tag>StormDamageProtection</video:tag><video:tag>TexasHailCoverage</video:tag><video:tag>RoofReplacementPolicy</video:tag></video:video><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/How%20to%20find%20peace%20of%20mind%20for%20wind%20and%20hail%20in%20Texas%20YouTube%20thumbnail-1.png</image:loc><image:caption>How to find peace of mind for wind and hail in Texas YouTube thumbnail-1</image:caption><image:title>How to find peace of mind for wind and hail in Texas YouTube thumbnail-1</image:title></image:image><lastmod>2026-06-26</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-professional-liability-insurance-matters-for-texas-daycares</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Education%20Insurance%20-%20Daycare%20&amp;%20Preschool%20Programs.png</image:loc><image:caption>True Texas Education Insurance - Daycare &amp; Preschool Programs</image:caption><image:title>True Texas Education Insurance - Daycare &amp; Preschool Programs</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png</image:loc><image:caption>Insurance For Texans Principal Agent Bradley Hancock</image:caption><image:title>Brad Hancock - Headshot-small size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Why%20Professional%20Liability%20Insurance%20Matters%20For%20Texas%20Daycares.png</image:loc><image:caption>Why Professional Liability Insurance Matters For Texas Daycares</image:caption><image:title>Why Professional Liability Insurance Matters For Texas Daycares</image:title></image:image><lastmod>2025-10-28</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/is-it-good-for-my-church-insurance-to-have-a-roof-sublimit</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Is%20It%20Good%20For%20My%20Church%20Insurance%20To%20Have%20A%20Roof%20Sublimit%3F.png</image:loc><image:caption>Is It Good For My Church Insurance To Have A Roof Sublimit?</image:caption><image:title>Is It Good For My Church Insurance To Have A Roof Sublimit?</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Amanda%20Minter%20-%20Church%20Insurance%20Specialist%20-%20Insurance%20For%20Texans.png</image:loc><image:caption>Amanda Minter - Church Insurance 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Promotion</image:title></image:image><lastmod>2026-03-13</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/faithful-stewardship-knows-that-things-are-different-in-texas</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/undefined.jpeg</image:loc><image:caption>undefined</image:caption><image:title>undefined</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small 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