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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>2022-01-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-is-my-home-insurance-so-much-more-than-the-guy-down-the-street</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/Happy%20couple%20pointing%20away%20in%20front%20of%20their%20home.jpeg</image:loc><image:caption>Happy couple pointing away in front of their home</image:caption><image:title>Happy couple pointing away in front of their 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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/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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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/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>2026-02-26</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/optional-coverage-for-homeowners-insurance-0</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Ring%20Binder%20with%20inscription%20High%20Priority%20on%20Background%20of%20Working%20Table%20with%20Office%20Supplies%2c%20Glasses%2c%20Reports.%20Toned%20Illustration.%20Business%20Concept%20on%20Blurred%20Background.-1.jpeg</image:loc><image:caption>Ring Binder with inscription High Priority on Background of Working Table with Office Supplies, Glasses, Reports. Toned Illustration. Business Concept on Blurred Background.-1</image:caption><image:title>Ring Binder with inscription High Priority on Background of Working Table with Office Supplies, Glasses, Reports. Toned Illustration. Business Concept on Blurred Background.-1</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/Orange%20Button%20with%20Customize%20on%20Black%20Computer%20Keyboard.%20Business%20Concept..jpeg</image:loc><image:caption>Orange Button with Customize on Black Computer Keyboard. Business Concept.</image:caption><image:title>Orange Button with Customize on Black Computer Keyboard. Business Concept.</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>2020-04-28</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/knowledge-base/what-is-an-hmo-health-plan</loc><lastmod>2026-04-22</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-i-regret-buying-cheap-home-insurance-0</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/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/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/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/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/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>2024-04-04</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/are-zero-pay-claims-ruining-your-home-insurance-search</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/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/Are%20Zero%20Pay%20Claims%20Ruining%20Your%20Home%20Insurance%20Search%3F%20Heres%20What%20You%20Need%20to%20Know!.png</image:loc><image:caption>Are Zero Pay Claims Ruining Your Home Insurance Search? 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Heres What You Need to Know!</image:title></image:image><lastmod>2024-08-22</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/the-importance-of-a-texas-homeowners-insurance-policy</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/The%20Importance%20of%20a%20Texas%20Homeowners%20Insurance%20Policy.png</image:loc><image:caption>The Importance of a Texas Homeowners Insurance Policy</image:caption><image:title>The Importance of a Texas Homeowners Insurance Policy</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Homeowners%20Insurance_%20Why%20You%20Need%20It!.png</image:loc><image:caption>Homeowners Insurance_ Why You Need It!</image:caption><image:title>Homeowners Insurance_ Why You Need It!</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Homeowners%20Insurance%20Deductibles.png</image:loc><image:caption>Homeowners Insurance Deductibles</image:caption><image:title>Homeowners Insurance Deductibles</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>2022-11-14</lastmod></url><url><loc>https://www.insurancefortexans.com/specialty-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/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/Man%20with%20funny%20silly%20half%20bald%20hair.jpeg</image:loc><image:caption>Man with funny silly half bald hair</image:caption><image:title>Man with funny silly half bald hair</image:title></image:image><lastmod>2021-10-29</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/Stock%20images/Are%20you%20Covered%3F%20written%20on%20the%20road.jpeg</image:loc><image:caption>Are you Covered? written on the road</image:caption><image:title>Are you Covered? written on the road</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Hand%20about%20to%20bang%20gavel%20on%20sounding%20block%20in%20the%20court%20room.jpeg</image:loc><image:caption>Hand about to bang gavel on sounding block in the court room</image:caption><image:title>Hand about to bang gavel on sounding block in the court room</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/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/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>2020-04-10</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/am-i-required-to-use-my-health-insurance-or-can-i-pay-cash</loc><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/Am%20I%20Required%20To%20Use%20My%20Health%20Insurance%20Or%20Can%20I%20Pay%20Cash.png</image:loc><image:caption>Am I Required To Use My Health Insurance Or Can I Pay Cash?</image:caption><image:title>Am I Required To Use My Health Insurance Or Can I Pay Cash</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>2023-10-02</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/closed-for-repairs-navigating-business-stoppage-after-a-texas-storm</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Closed%20for%20Repairs%20Navigating%20Business%20Stoppage%20After%20a%20Texas%20Storm.png</image:loc><image:caption>Closed for Repairs Navigating Business Stoppage After a Texas Storm</image:caption><image:title>Closed for Repairs Navigating Business Stoppage 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/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>2023-12-07</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-does-coinsurance-work-on-commercial-property-insurance-policies</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Coinsurance%20Formula.png</image:loc><image:caption>Coinsurance Formula</image:caption><image:title>Coinsurance Formula</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/How%20Does%20Coinsurance%20Work%20On%20Commercial%20Property%20Insurance%20Policies-1.png</image:loc><image:caption>How Does Coinsurance Work On Commercial Property Insurance Policies-1</image:caption><image:title>How Does Coinsurance Work On Commercial Property Insurance Policies-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>2022-10-04</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/best-practices-for-selecting-a-church-insurance-broker</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Best%20Practices%20for%20Selecting%20a%20Church%20Insurance%20Broker.png</image:loc><image:caption>Best Practices for Selecting a Church Insurance Broker</image:caption><image:title>Best Practices for Selecting a Church Insurance Broker</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/undefined-1.jpeg</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/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>2026-04-01</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-is-true-texas-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Texas%20wooden%20sign%20isolated%20on%20desert%20background-2.jpeg</image:loc><image:caption>Texas wooden sign isolated on desert background-2</image:caption><image:title>Texas wooden sign isolated on desert background-2</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>2022-08-08</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/will-your-texas-church-security-plan-fail-after-the-threat-ends</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/Will%20Your%20Texas%20Church%20Security%20Plan%20Fail%20After%20the%20Threat%20Ends.png</image:loc><image:caption>Will Your Texas Church Security Plan Fail After the Threat Ends</image:caption><image:title>Will Your Texas Church Security Plan Fail After the Threat Ends</image:title></image:image><lastmod>2026-05-29</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-are-health-insurance-networks-so-important-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/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/Why%20Are%20Health%20Insurance%20Networks%20So%20Important%20In%20Texas.png</image:loc><image:caption>Why Are Health Insurance Networks So Important In Texas?</image:caption><image:title>Why Are Health Insurance Networks So Important In Texas</image:title></image:image><lastmod>2023-08-03</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/understanding-reinsurance-the-invisible-force-impacting-your-insurance-premiums</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/Reinsurance%20rating%20Factors.png</image:loc><image:caption>Here is our list of reinsurance rating factors</image:caption><image:title>Reinsurance rating Factors</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Understanding%20Reinsurance.png</image:loc><image:caption>Understanding Reinsurance: The invisible force impacting your insurance premiums.</image:caption><image:title>Understanding 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dimension</image:title></image:image><lastmod>2021-10-30</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/true-texas-questions-will-inflation-impact-my-insurance-premiums</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-1299998768-612x612.jpg</image:loc><image:caption>istockphoto-1299998768-612x612</image:caption><image:title>istockphoto-1299998768-612x612</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 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Thing?</image:title></image:image><lastmod>2024-11-15</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/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><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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background</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Young%20woman%20in%20casual%20holding%20balloon%20shaped%20like%20question%20mark.jpeg</image:loc><image:caption>Young woman in casual holding balloon shaped like question mark</image:caption><image:title>Young woman in casual holding balloon shaped like question mark</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/Image%20of%20business%20partners%20hands%20on%20top%20of%20each%20other%20symbolizing%20companionship%20and%20unity.jpeg</image:loc><image:caption>Image of business partners hands on top of each other symbolizing companionship and unity</image:caption><image:title>Image of business partners hands on top of each other symbolizing companionship and unity</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%20ready%20hand%20writing%20with%20a%20black%20mark%20on%20a%20transparent%20board.jpeg</image:loc><image:caption>Are you ready hand writing with a black mark on a transparent board</image:caption><image:title>Are you ready hand writing with a black mark on a transparent board</image:title></image:image><lastmod>2022-01-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-does-cyber-insurance-cover</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/image0000001.png</image:loc><image:caption>image0000001</image:caption><image:title>image0000001</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>2022-10-17</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/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 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>2026-06-24</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-can-the-death-of-mr.-peanut-teach-us-about-life-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/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/mrpeanutrip.png</image:loc><image:caption>mrpeanutrip</image:caption><image:title>mrpeanutrip</image:title></image:image><lastmod>2022-01-14</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/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/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/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>2025-10-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-a-name-brand-really-matter-in-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/The%20Winner%20Is...%20card%20with%20colorful%20background%20with%20defocused%20lights.jpeg</image:loc><image:caption>The Winner Is... card with colorful background with defocused lights</image:caption><image:title>The Winner Is... card with colorful background with defocused lights</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Advertising%20Concept.%20The%20Word%20of%20Red%20Color%20Located%20over%20Text%20of%20White%20Color..jpeg</image:loc><image:caption>Advertising Concept. The Word of Red Color Located over Text of White Color.</image:caption><image:title>Advertising Concept. The Word of Red Color Located over Text of White Color.</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>2019-03-15</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/5-tips-for-reducing-commercial-auto-premiums</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Choose%20The%20Right%20Agent.png</image:loc><image:caption>Choose The Right Agent</image:caption><image:title>Choose The Right Agent</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/5%20Tips%20For%20Reducing%20Commercial%20Auto%20Premiums.png</image:loc><image:caption>5 Tips For Reducing Commercial Auto Premiums</image:caption><image:title>5 Tips For Reducing Commercial Auto Premiums</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Do%20You%20Have%20Safety%20and%20Maintenance%20Plans.png</image:loc><image:caption>Do You Have Safety and Maintenance Plans</image:caption><image:title>Do You Have Safety and Maintenance Plans</image:title></image:image><lastmod>2019-10-15</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/40d52529-1dbc-4a45-a58b-a0f6f90d1de1</loc><lastmod>2026-02-12</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/insurance-is-rebuilding-my-home-but-i-dont-have-enough-money-0</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Young%20couple%20signing%20financial%20contrat%20on%20digital%20tablet-1.jpeg</image:loc><image:caption>Young couple signing financial contrat on digital tablet-1</image:caption><image:title>Young couple signing financial contrat on digital tablet-1</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/Stock%20images/Installing%20laminate%20flooring%20in%20new%20home%20indoor.jpeg</image:loc><image:caption>Installing laminate flooring in new home indoor</image:caption><image:title>Installing laminate flooring in new home indoor</image:title></image:image><lastmod>2021-10-30</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-is-final-expense-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Portrait%20of%20happy%20multi-generation%20family%20standing%20outdoors.jpeg</image:loc><image:caption>Portrait of happy multi-generation family standing outdoors</image:caption><image:title>Portrait of happy multi-generation family standing outdoors</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/what%20is%20final%20expense%20insurance.png</image:loc><image:caption>what is final expense insurance</image:caption><image:title>what is final expense insurance</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Portrait%20of%20an%20elder%20mother%20and%20daughter%20walking%20outdoors.jpeg</image:loc><image:caption>Portrait of an elder mother and daughter walking outdoors</image:caption><image:title>Portrait of an elder mother and daughter walking outdoors</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/knowledge-base/what-does-indemnity-mean</loc><lastmod>2026-04-23</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/is-condo-insurance-the-same-as-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/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/custom-video-thumbnails/Home%20Insurance%20Tips-1.png</image:loc><image:caption>Home Insurance Tips-1</image:caption><image:title>Home Insurance Tips-1</image:title></image:image><lastmod>2019-06-26</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/my-daycare-insurance-has-been-non-renewed-what-now</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Education%20Insurance%20-%20Daycare%20Programs.png</image:loc><image:caption>True Texas Education Insurance - Daycare Programs</image:caption><image:title>True Texas Education Insurance - Daycare Programs</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/My%20Daycare%20Insurance%20Has%20Been%20Non-Renewed!%20What%20Now.png</image:loc><image:caption>My Daycare Insurance Has Been Non-Renewed! What Now?</image:caption><image:title>My Daycare Insurance Has Been Non-Renewed! What Now</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>2025-10-27</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-is-a-clue-report-0</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Businesswoman%20receiving%20a%20customer%20in%20her%20office.jpeg</image:loc><image:caption>Businesswoman receiving a customer in her office</image:caption><image:title>Businesswoman receiving a customer in her office</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Report%20Concept.%20Button%20on%20Modern%20Computer%20Keyboard%20with%20Word%20Report%20on%20It..jpeg</image:loc><image:caption>Report Concept. Button on Modern Computer Keyboard with Word Report on It.</image:caption><image:title>Report Concept. Button on Modern Computer Keyboard with Word Report on It.</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>2020-05-25</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/can-a-church-insurance-agency-agreement-stop-me-from-contacting-others</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/Can%20A%20Church%20Insurance%20Agency%20Agreement%20Stop%20Me%20From%20Contacting%20Others.png</image:loc><image:caption>Can A Church Insurance Agency Agreement Stop Me From Contacting Others?</image:caption><image:title>Can A Church Insurance Agency Agreement Stop Me From Contacting Others</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><lastmod>2025-10-17</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/nobody-wants-to-talk-about-life-insurance-until-there-is-a-body</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Nobody%20Wants%20To%20Talk%20About%20Life%20Insurance%2c%20Until%20There%20Is%20A%20Body.png</image:loc><image:caption>Nobody Wants To Talk About Life Insurance, Until There Is A Body</image:caption><image:title>Nobody Wants To Talk About Life Insurance, Until There Is A Body</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 - Kevin Hall</image:caption><image:title>Kevin Hall - Headshot-smaller size</image:title></image:image><lastmod>2024-02-06</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-home-insurance-confuse-you-1</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/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/puzzle%20piece%20coming%20down%20into%20its%20place.jpeg</image:loc><image:caption>puzzle piece coming down into its place</image:caption><image:title>puzzle piece coming down into its place</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Portrait%20of%20a%20pretty%20woman%20shrugging%20shoulders%20isolated%20on%20a%20white%20background.jpeg</image:loc><image:caption>Portrait of a pretty woman shrugging shoulders isolated on a white background</image:caption><image:title>Portrait of a pretty woman shrugging shoulders isolated on a white background</image:title></image:image><lastmod>2020-05-07</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-can-abilene-teachers-reduce-out-of-pocket-health-costs</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/How%20Can%20Abilene%20Teachers%20Reduce%20Out-of-Pocket%20Health%20Costs.png</image:loc><image:caption>How Can Abilene Teachers Reduce Out-of-Pocket Health Costs</image:caption><image:title>How Can Abilene Teachers Reduce Out-of-Pocket Health Costs</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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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/Renewing%20Your%20ACA%20Plan%20for%202025%3F%20Here%E2%80%99s%20What%20Texans%20Need%20to%20Know.png</image:loc><image:caption>Renewing Your ACA Plan for 2025? Here’s What Texans Need to Know</image:caption><image:title>Renewing Your ACA Plan for 2025? Here’s What Texans Need to Know</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>2024-09-06</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/96935c8d-22b8-47e4-a5b5-a4b4225718ba</loc><lastmod>2025-12-12</lastmod></url><url><loc>https://www.insurancefortexans.com/knowledge-base/how-does-texas-roof-insurance-work-for-homeowners-in-2026</loc><lastmod>2026-04-28</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/inexperienced-commercial-agents-a-potential-threat-to-your-businesses</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Inexperienced%20Commercial%20Agents%20-%20A%20Threat%20To%20Your%20Businesses.png</image:loc><image:caption>Inexperienced Commercial Agents - A Threat To Your Businesses</image:caption><image:title>Inexperienced Commercial Agents - A Threat To Your Businesses</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>2023-07-24</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/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><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>2026-06-22</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/faithful-stewardship-understands-the-risks</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/the%20promise%20of%20certainty.png</image:loc><image:caption>the promise of certainty</image:caption><image:title>the promise of certainty</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/Week%203%20Podcast%20Blog%20Image.png</image:loc><image:caption>Week 3 Podcast Blog Image</image:caption><image:title>Week 3 Podcast Blog Image</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Faith%2c%20Stewardship%2c%20&amp;%20Insurance%20-%20Protecting%20Texas%20Churches.png</image:loc><image:caption>Faith, Stewardship, &amp;amp; Insurance - Protecting Texas Churches</image:caption><image:title>Faith, Stewardship, &amp; Insurance - Protecting Texas Churches</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>2025-12-09</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/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/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><lastmod>2023-09-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-your-primary-care-doc-wish-they-could-say-about-health-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/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/What%20Your%20Primary%20Care%20Doctor%20Wish%20They%20Could%20Say%20About%20Health%20Insurance.png</image:loc><image:caption>What Your Primary Care Doctor Wish They Could Say About Health Insurance</image:caption><image:title>What Your Primary Care Doctor Wish They Could Say About Health Insurance</image:title></image:image><lastmod>2023-10-18</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-are-short-term-medical-plans</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20is%20a%20short%20term%20medical%20plan%3F.png</image:loc><image:caption>What is a short term medical plan?</image:caption><image:title>What is a short term medical 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><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%20Do%20I%20Get%20A%20Short%20Term%20Medical%20Plan%3F.png</image:loc><image:caption>How Do I Get A Short Term Medical Plan?</image:caption><image:title>How Do I Get A Short Term Medical Plan?</image:title></image:image><lastmod>2023-06-13</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/the-three-biggest-problems-you-can-create-with-home-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Businessman%20being%20depressed%20by%20accounting%20in%20his%20office.jpeg</image:loc><image:caption>Businessman being depressed by accounting in his office</image:caption><image:title>Businessman being depressed by accounting in his 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/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>2019-05-30</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/311752fc-36e9-4932-98d9-c0b8d975beed</loc><lastmod>2026-02-13</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/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/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/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>2026-06-16</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/actual-cash-value-vs-replacement-cost-home-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/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/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>2019-03-12</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/do-texas-teachers-have-to-take-their-school-health-insurance-plan</loc><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><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Do%20Texas%20Teachers%20Have%20To%20Take%20Their%20School%20Health%20Insurance%20Plan.png</image:loc><image:caption>Do Texas Teachers Have To Take Their School Health Insurance Plan?</image:caption><image:title>Do Texas Teachers Have To Take Their School Health Insurance Plan</image:title></image:image><lastmod>2025-07-15</lastmod></url><url><loc>https://www.insurancefortexans.com/knowledge-base/what-is-a-health-insurance-indemnity-plan</loc><lastmod>2026-04-23</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/143e98e3-2051-4c7c-8685-bd61130950ef</loc><lastmod>2026-02-12</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-my-computer-repair-shop-need-insurance-for-customer-equipment</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/Does%20My%20Computer%20Repair%20Shop%20Need%20Insurance%20For%20Customer%20Equipment.png</image:loc><image:caption>Does My Computer Repair Shop Need Insurance For Customer Equipment</image:caption><image:title>Does My Computer Repair Shop Need Insurance For Customer Equipment</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/True%20Texas%20Technology%20Insurance.png</image:loc><image:caption>True Texas Technology Insurance</image:caption><image:title>True Texas Technology Insurance</image:title></image:image><lastmod>2025-04-28</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/sticker-shock-understanding-the-surge-in-texas-church-insurance-rates</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/Sticker%20Shock%20Understanding%20the%20Surge%20in%20Texas%20Church%20Insurance%20Rates.png</image:loc><image:caption>Sticker Shock: Understanding the Surge in Texas Church Insurance Rates</image:caption><image:title>Sticker Shock Understanding the Surge in Texas Church Insurance Rates</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/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>2026-02-05</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-do-i-get-the-best-price-on-health-insurance-in-texas</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/How%20Do%20I%20Get%20The%20Best%20Price%20On%20Health%20Insurance%20In%20Texas.png</image:loc><image:caption>How Do I Get The Best Price On Health Insurance In Texas?</image:caption><image:title>How Do I Get The Best Price On Health Insurance 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><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>2023-09-29</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/fires-are-horrific</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Colleyville%20Village%20Fire%20Police%20Officer%20admist%20smoke.jpg</image:loc><image:caption>Colleyville Village Fire Police Officer admist smoke</image:caption><image:title>Colleyville Village Fire Police Officer admist smoke</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Colleyville%20Village%20Fire%20Total%20Destruction.jpg</image:loc><image:caption>Colleyville Village Fire Total Destruction</image:caption><image:title>Colleyville Village Fire Total Destruction</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>2019-05-23</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-montessori-schools-need-employment-practices-liability-insurance</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/Why%20Montessori%20Schools%20in%20Texas%20Need%20Employment%20Practices%20Liability%20Insurance%20Now.png</image:loc><image:caption>Why Montessori Schools in Texas Need Employment Practices Liability Insurance Now</image:caption><image:title>Why Montessori Schools in Texas Need Employment Practices Liability Insurance Now</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Education%20Insurance%20-%20Montessori%20Schools.png</image:loc><image:caption>True Texas Education Insurance - Montessori Schools</image:caption><image:title>True Texas Education Insurance - Montessori Schools</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>2024-12-09</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/missed-enrollment-how-texans-can-secure-health-insurance-mid-year</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/Missed%20the%20Enrollment%20Boat%3F%20How%20Texans%20Can%20Secure%20Health%20Insurance%20Mid-Year.png</image:loc><image:caption>Missed the Enrollment Boat? How Texans Can Secure Health Insurance Mid-Year</image:caption><image:title>Missed the Enrollment Boat? 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In Years</image:caption><image:title>Why Cant I Get My Money Back On My Home Insurance If I Havent Filed A Claim In Years</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/should-i-put-my-family-on-my-school-district-health-plan-this-year</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Should%20I%20Put%20My%20Family%20On%20My%20School%20District%20Health%20Plan%20This%20Year.png</image:loc><image:caption>Should I Put My Family On My School District Health Plan This Year?</image:caption><image:title>Should I Put My Family On My School District Health Plan This Year</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 - Kevin Hall</image:caption><image:title>Kevin Hall - Headshot-smaller size</image:title></image:image><lastmod>2025-07-23</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/understanding-general-liability-for-your-texas-dental-practice</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Beyond%20the%20Basics%20Understanding%20General%20Liability%20Insurance%20for%20Your%20Texas%20Dental%20Practice.png</image:loc><image:caption>Beyond the Basics: Understanding General Liability Insurance for Your Texas Dental Practice</image:caption><image:title>Beyond the Basics Understanding General Liability Insurance for Your Texas Dental Practice</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>2024-01-23</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-to-write-a-defensible-church-security-sop-that-satisfies-insurance</loc><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><image:image><image:loc>https://www.insurancefortexans.com/hubfs/How%20to%20Write%20a%20Defensible%20Church%20Security%20SOP%20That%20Satisfies%20Insurance.png</image:loc><image:caption>How to Write a Defensible Church Security SOP That Satisfies Insurance</image:caption><image:title>How to Write a Defensible Church Security SOP That Satisfies 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>2026-06-01</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-can-i-do-if-my-insurance-company-forces-me-into-having-actual-cash-value-on-my-business-roof</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/What%20Can%20I%20Do%20If%20My%20Insurance%20Company%20Forces%20Me%20Into%20Having%20Actual%20Cash%20Value%20On%20My%20Business%20Roof.png</image:loc><image:caption>What Can I Do If My Insurance Company Forces Me Into Having Actual Cash Value On My Business Roof?</image:caption><image:title>What Can I Do If My Insurance Company Forces Me Into Having Actual Cash Value On My Business Roof</image:title></image:image><lastmod>2023-09-07</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/are-dogs-covered-by-home-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Vet%20giving%20a%20treat%20to%20a%20good%20dog%20-%20isolated%20over%20a%20white%20background.jpeg</image:loc><image:caption>Vet giving a treat to a good dog - isolated over a white background</image:caption><image:title>Vet giving a treat to a good dog - isolated over a white 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/DOC%20CRR.jpg</image:loc><image:caption>DOC CRR</image:caption><image:title>DOC CRR</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>2019-04-30</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-home-insurance-confuse-you</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Portrait%20of%20a%20pretty%20woman%20shrugging%20shoulders%20isolated%20on%20a%20white%20background.jpeg</image:loc><image:caption>Portrait of a pretty woman shrugging shoulders isolated on a white background</image:caption><image:title>Portrait of a pretty woman shrugging shoulders isolated on a white background</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/puzzle%20piece%20coming%20down%20into%20its%20place.jpeg</image:loc><image:caption>puzzle piece coming down into its place</image:caption><image:title>puzzle piece coming down into its place</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>2019-03-13</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/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/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/5f2d6422-346e-4f0e-a14e-27f5a8847c74</loc><lastmod>2026-02-12</lastmod></url><url><loc>https://www.insurancefortexans.com/burleson-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/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/download-6.jpg</image:loc><image:caption>download-6</image:caption><image:title>download-6</image:title></image:image><lastmod>2021-12-22</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/smart-tips-for-texas-daycare-owners-to-manage-rising-insurance-rates</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/True%20Texas%20Education%20Insurance%20-%20Daycare%20Programs.png</image:loc><image:caption>True Texas Education Insurance - Daycare Programs</image:caption><image:title>True Texas Education Insurance - Daycare Programs</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Smart%20Tips%20for%20Texas%20Daycare%20Owners%20to%20Manage%20Rising%20Insurance%20Rates.png</image:loc><image:caption>Smart Tips for Texas Daycare Owners to Manage Rising Insurance Rates</image:caption><image:title>Smart Tips for Texas Daycare Owners to Manage Rising Insurance Rates</image:title></image:image><lastmod>2025-10-28</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-can-texas-businesses-save-money-on-health-insurance-costs</loc><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><image:image><image:loc>https://www.insurancefortexans.com/hubfs/How%20Can%20Texas%20Businesses%20Save%20Money%20On%20Health%20Insurance%20Costs.png</image:loc><image:caption>How Can Texas Businesses Save Money On Health Insurance Costs</image:caption><image:title>How Can Texas Businesses Save Money On Health Insurance Costs</image:title></image:image><lastmod>2023-10-24</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/is-your-business-insurance-policy-being-non-renewed</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/The%20Basics%20Of%20Texas%20Business%20Insurance.png</image:loc><image:caption>The Basics Of Texas Business Insurance</image:caption><image:title>The Basics Of Texas Business Insurance</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><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 - 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Texas</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/Texas%20Home%20Insurance%20-%20Wildfires%20Blossom.png</image:loc><image:caption>Texas Home Insurance - Wildfires Blossom</image:caption><image:title>Texas Home Insurance - Wildfires Blossom</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/NOAA%20Large%20Hail%20Event%20Report%202002.jpg</image:loc><image:caption>NOAA Large Hail Event Report 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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><lastmod>2024-09-11</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-do-private-health-plans-keep-premiums-lower</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/How%20Do%20Private%20Health%20Plans%20Keep%20Premiums%20Lower.png</image:loc><image:caption>How Do Private Health Plans Keep Premiums Lower?</image:caption><image:title>How Do Private Health Plans Keep Premiums Lower</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 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Inscription on Red Rubber Stamp Isolated on White.-1</image:caption><image:title>Important - Inscription on Red Rubber Stamp Isolated on White.-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Building%20roof%20construction%20site%20teamwork%20silhouette-1.jpeg</image:loc><image:caption>Building roof construction site teamwork silhouette-1</image:caption><image:title>Building roof construction site teamwork silhouette-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Home%20Icon%20on%20Multicolor%20Puzzle..jpeg</image:loc><image:caption>Home Icon on Multicolor Puzzle.</image:caption><image:title>Home Icon on Multicolor Puzzle.</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Young%20family%20with%20new%20home%20illustrated.jpeg</image:loc><image:caption>Young family with new home illustrated</image:caption><image:title>Young family with new home illustrated</image:title></image:image><lastmod>2019-02-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/do-texas-churches-have-to-carry-workers-compensation-insurance</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/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/Do%20Texas%20Churches%20Have%20To%20Carry%20Workers%20Compensation%20Insurance.png</image:loc><image:caption>Do Texas Churches Have To Carry Workers' Compensation Insurance?</image:caption><image:title>Do Texas Churches Have To Carry Workers Compensation 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>2026-03-30</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-is-phishing</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20Is%20Phishing%3F.png</image:loc><image:caption>What Is Phishing?</image:caption><image:title>What Is Phishing?</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/Protecting%20Your%20Systems%20-%20Phishing%20Attacks.png</image:loc><image:caption>Protecting Your Systems From Phishing Attacks</image:caption><image:title>Protecting Your Systems - Phishing Attacks</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>2023-01-09</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-is-coinsurance</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/What%20Is%20Coinsurance_.png</image:loc><image:caption>What Is Coinsurance_</image:caption><image:title>What Is Coinsurance_</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/A%20Coinsurance%20Cast%20Study.png</image:loc><image:caption>A Coinsurance Cast Study</image:caption><image:title>A Coinsurance Cast Study</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Copay%20vs%20Deductible%20vs%20Coinsurance.png</image:loc><image:caption>Copay vs Deductible vs Coinsurance</image:caption><image:title>Copay vs Deductible vs Coinsurance</image:title></image:image><lastmod>2022-01-15</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-is-extended-replacement-cost</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%20super%20happy%20excited%20successful%20young%20business%20woman%20holding%20money%20dollar%20bills%20in%20hand%20isolated%20grey%20wall%20background.%20Positive%20emotion%20facial%20expression%20feeling.%20Financial%20reward.jpeg</image:loc><image:caption>Closeup portrait super happy excited successful young business woman holding money dollar bills in hand isolated grey wall background. Positive emotion facial expression feeling. Financial reward</image:caption><image:title>Closeup portrait super happy excited successful young business woman holding money dollar bills in hand isolated grey wall background. Positive emotion facial expression feeling. Financial reward</image:title></image:image><lastmod>2019-02-18</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/knowledge-base/what-is-a-guaranteed-issue-health-insurance-plan</loc><lastmod>2026-04-22</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/building-ordinance-in-texas-home-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/Tree%20Falls%20On%20Home.jpg</image:loc><image:caption>Tree Falls On Home</image:caption><image:title>Tree Falls On 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><lastmod>2022-12-17</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-texans-risk-by-skipping-health-insurance-in-2025</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/What%20Texans%20Risk%20by%20Skipping%20Health%20Insurance%20in%202025.png</image:loc><image:caption>What Texans Risk by Skipping Health Insurance in 2025</image:caption><image:title>What Texans Risk by Skipping Health Insurance in 2025</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>2024-10-11</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/can-texans-enroll-in-aca-marketplace-plans-at-any-time</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Can%20Texans%20Enroll%20In%20ACA%20Marketplace%20Plans%20At%20Any%20Time.png</image:loc><image:caption>Can Texans Enroll In ACA Marketplace Plans At Any Time?</image:caption><image:title>Can Texans Enroll In ACA Marketplace Plans At Any Time</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 - Kevin Hall</image:caption><image:title>Kevin Hall - Headshot-smaller size</image:title></image:image><lastmod>2025-06-27</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/whats-the-difference-between-home-insurance-and-a-home-warranty</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20Is%20A%20Texas%20Home%20Insurance%20Policy.png</image:loc><image:caption>What Is A Texas Home Insurance Policy</image:caption><image:title>What Is A Texas Home Insurance Policy</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20Is%20A%20Home%20Warranty.png</image:loc><image:caption>What Is A Home Warranty</image:caption><image:title>What Is A Home Warranty</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><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Whats%20The%20Difference%20Between%20Home%20Insurance%20And%20A%20Home%20Warranty.png</image:loc><image:caption>Whats The Difference Between Home Insurance And A Home Warranty</image:caption><image:title>Whats The Difference Between Home Insurance And A Home Warranty</image:title></image:image><lastmod>2019-10-18</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/faithful-stewardship-starts-before-the-storm-hits</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Week%202%20Podcast%20Blog%20Image.png</image:loc><image:caption>Week 2 Podcast Blog Image</image:caption><image:title>Week 2 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><lastmod>2025-12-09</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/texas-church-insurance-for-building-and-liability-protection</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/Texas%20Church%20Insurance%20For%20Building%20and%20Liability%20Protection.png</image:loc><image:caption>Texas Church Insurance For Building and Liability Protection</image:caption><image:title>Texas Church Insurance For Building and Liability Protection</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>2026-06-11</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/d896a58c-872b-4207-9dec-307b0f983d76</loc><lastmod>2025-12-10</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/are-high-deductible-health-plans-a-win-for-texas-small-businesses</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/Are%20High%20Deductible%20Health%20Plans%20A%20Win%20For%20Texas%20Small%20Businesses.png</image:loc><image:caption>Are High Deductible Health Plans A Win For Texas Small Businesses</image:caption><image:title>Are High Deductible Health Plans A Win For Texas Small Businesses</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>2025-09-02</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/equipment-breakdown-coverage-for-manufacturing</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/Equipment%20Breakdown%20Coverage%20for%20Manufacturing.png</image:loc><image:caption>Equipment Breakdown Coverage for Manufacturing</image:caption><image:title>Equipment Breakdown Coverage for Manufacturing</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Protects%20Against%20Business%20Interruptions.png</image:loc><image:caption>Protects Against Business Interruptions</image:caption><image:title>Protects Against Business Interruptions</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Top%20Equipment%20Breakdown%20Claims%20In%20Manufacturing.png</image:loc><image:caption>Top Equipment Breakdown Claims In Manufacturing</image:caption><image:title>Top Equipment Breakdown Claims In Manufacturing</image:title></image:image><lastmod>2023-02-18</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-cant-i-get-my-money-back-on-my-grapevine-home-insurance-if-i-havent-filed-a-claim-in-years</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Claims%20Free%20Discounts%20Are%20Real.png</image:loc><image:caption>Claims Free Discounts Are Real</image:caption><image:title>Claims Free Discounts Are Real</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>2024-01-22</lastmod></url><url><loc>https://www.insurancefortexans.com/en/true-texas-technology-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Workers%20Comp-1.png</image:loc><image:caption>Workers Compensation Insurance</image:caption><image:title>Workers Comp-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Technology%20Insurance.png</image:loc><image:caption>True Texas Technology Insurance</image:caption><image:title>True Texas Technology Insurance</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Isnt%20All%20Tech%20Insurance%20The%20Same%3F.png</image:loc><image:caption>Isn't All Tech Insurance The Same?</image:caption><image:title>Isnt All Tech Insurance The Same?</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Bailees%20Coverage.png</image:loc><image:caption>Bailee's Coverage</image:caption><image:title>Bailees 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><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Beyond%20Liability.png</image:loc><image:caption>Beyond General Liability &amp;amp; Property Coverage</image:caption><image:title>Beyond Liability</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Cyber%20Liability.png</image:loc><image:caption>Cyber Liability Coverage For All</image:caption><image:title>Cyber Liability</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Professional%20Liability.png</image:loc><image:caption>Professional Liability Coverage For All</image:caption><image:title>Professional Liability</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>2025-04-22</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-are-ftes-and-how-do-they-affect-my-daycare-health-insurance</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/Kevin%20Hall%20-%20Headshot-smaller%20size.png</image:loc><image:caption>Insurance For Texans Life &amp; Health Insurance 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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><lastmod>2026-03-03</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/2b9471d8-a6df-4941-a427-ff7acb79f790</loc><lastmod>2026-02-12</lastmod></url><url><loc>https://www.insurancefortexans.com/knowledge-base/what-is-a-peril</loc><lastmod>2026-04-07</lastmod></url><url><loc>https://www.insurancefortexans.com/knowledge-base/what-is-a-health-insurance-deductible</loc><lastmod>2026-04-17</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/the-upside-to-vandalism-and-mischief</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/dollar%20graffiti.jpg</image:loc><image:caption>dollar graffiti</image:caption><image:title>dollar graffiti</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/12_3_2007_magic_wand.png</image:loc><image:caption>12_3_2007_magic_wand</image:caption><image:title>12_3_2007_magic_wand</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/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/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%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/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>2026-06-29</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/do-i-really-need-an-umbrella-policy</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/How%20Does%20An%20Umbrella%20Policy%20Help.png</image:loc><image:caption>How Does An Umbrella Policy Help</image:caption><image:title>How Does An Umbrella Policy Help</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Do%20I%20Really%20Need%20An%20Umbrella%20Policy.png</image:loc><image:caption>Do I Really Need An Umbrella Policy</image:caption><image:title>Do I Really Need An Umbrella Policy</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/I%20Have%20Good%20Insurance.png</image:loc><image:caption>I Have Good Insurance</image:caption><image:title>I Have Good 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>2022-01-13</lastmod></url><url><loc>https://www.insurancefortexans.com/knowledge-base/how-does-epli-apply-to-texas-churches</loc><lastmod>2026-05-18</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/when-to-use-home-insurance-0</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Real%20estate%20sale%2c%20home%20savings%2c%20loans%20market%20concept.%20Housing%20industry%20mortgage%20plan%20and%20residential%20tax%20saving%20strategy.%20Piggy%20bank%20isolated%20outside%20home%20on%20background.%20Focus%20on%20piggybank.%20Homeowner.jpeg</image:loc><image:caption>Real estate sale, home savings, loans market concept. 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something from the fridge</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>2020-04-17</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-is-a-sub-limit-on-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/Happy%20beautiful%20young%20woman%20opening%20jewelery%20gift%20box.jpeg</image:loc><image:caption>Happy beautiful young woman opening jewelery gift box</image:caption><image:title>Happy beautiful young woman opening jewelery gift box</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Tired%20student%20having%20too%20much%20to%20do%20in%20a%20library.jpeg</image:loc><image:caption>Tired student having too much to do in a library</image:caption><image:title>Tired student having too much to do in a library</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/blog/how-does-a-local-agent-help-with-claims-0</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/Stock%20images/Business%20man%20pointing%20to%20transparent%20board%20with%20text%20Claims-1.jpeg</image:loc><image:caption>Business man pointing to transparent board with text Claims-1</image:caption><image:title>Business man pointing to transparent board with text 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Daycares</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%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 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