<?xml version='1.0' encoding='UTF-8'?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xmlns:video="http://www.google.com/schemas/sitemap-video/1.1"><url><loc>https://www.insurancefortexans.com/blog/is-your-church-prepared-insurance-tips-for-hosting-trunk-or-treat</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/Is%20Your%20Church%20Prepared%3F%20Insurance%20Tips%20for%20Hosting%20Trunk%20or%20Treat%20in%20Texas.png</image:loc><image:caption>Is Your Church Prepared? 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size</image:title></image:image><lastmod>2024-06-28</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-does-the-super-bowl-teach-us-about-life-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/download-5.jpg</image:loc><image:caption>download-5</image:caption><image:title>download-5</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2022-01-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/hacked-held-hostage-navigating-cyber-threats-to-your-texas-church</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/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/Hacked%20&amp;%20Held%20Hostage%20Navigating%20Cyber%20Threats%20to%20Your%20Texas%20Church.png</image:loc><image:caption>Hacked &amp; Held Hostage: Navigating Cyber Threats to Your Texas Church</image:caption><image:title>Hacked &amp; Held Hostage Navigating Cyber Threats to Your Texas Church</image:title></image:image><lastmod>2026-02-27</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/self-funded-health-insurance-a-solution-for-small-churches</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/Self-Funded%20Health%20Insurance%20A%20Solution%20for%20Small%20Churches.png</image:loc><image:caption>Self-Funded Health Insurance A Solution for Small Churches</image:caption><image:title>Self-Funded Health Insurance A Solution for Small Churches</image:title></image:image><lastmod>2024-11-22</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/can-a-doctor-be-sued-for-more-than-250000-in-texas</loc><video:video><video:thumbnail_loc>https://2659071.fs1.hubspotusercontent-na2.net/hubfs/2659071/Can%20A%20Doctor%20Be%20Sued%20For%20More%20Than%20250000%20Dollars%20In%20Texas.mp4/medium.jpg</video:thumbnail_loc><video:title>Can A Doctor Be Sued For More Than 250000 Dollars In Texas</video:title><video:description>Can A Doctor Be Sued For More Than 250000 Dollars In Texas</video:description><video:content_loc>https://www.insurancefortexans.com/hubfs/Can%20A%20Doctor%20Be%20Sued%20For%20More%20Than%20250000%20Dollars%20In%20Texas.mp4</video:content_loc><video:duration>365</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Can%20A%20Doctor%20be%20Sued%20For%20More%20Than%20$250000%20in%20Texas-1.png</image:loc><image:caption>Can A Doctor be Sued For More Than $250000 in Texas-1</image:caption><image:title>Can A Doctor be Sued For More Than $250000 in Texas-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/YES!%20A%20Doctor%20Can%20be%20Sued%20For%20More%20Than%20$250000%20in%20Texas.png</image:loc><image:caption>YES! A Doctor Can be Sued For More Than $250000 in Texas</image:caption><image:title>YES! A Doctor Can be Sued For More Than $250000 in Texas</image:title></image:image><lastmod>2022-12-22</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/b31d608c-0180-466e-b576-716cedd3b4de</loc><lastmod>2026-02-13</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/ff71483d-002f-4055-9bd4-a974c069d48c</loc><lastmod>2026-02-12</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-is-home-insurance-for-new-builds-so-cheap-0</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Young%20adults%20moving%20in%20new%20home.jpeg</image:loc><image:caption>Young adults moving in new home</image:caption><image:title>Young adults moving in new home</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Portrait%20of%20a%20young%20woman%20covering%20her%20mouth%20with%20palm%20and%20looking%20away%20over%20gray%20background.jpeg</image:loc><image:caption>Portrait of a young woman covering her mouth with palm and looking away over gray background</image:caption><image:title>Portrait of a young woman covering her mouth with palm and looking away over gray background</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2020-05-09</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/hail-insurance-for-texas-churches</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Church%20Insurance.png</image:loc><image:caption>True Texas Church Insurance</image:caption><image:title>True Texas Church Insurance</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Amanda%20Minter%20-%20Church%20Insurance%20Specialist%20-%20Insurance%20For%20Texans.png</image:loc><image:caption>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:caption><image:title>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Hail%20Insurance%20For%20Texas%20Churches.png</image:loc><image:caption>Hail Insurance For Texas Churches</image:caption><image:title>Hail Insurance For Texas Churches</image:title></image:image><lastmod>2025-10-13</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/8330ccf5-d03b-48a3-ae80-3deec38cebba</loc><lastmod>2026-03-13</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/cyber-insurance-pay-on-behalf-of-vs.-reimbursement</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png</image:loc><image:caption>Insurance For Texans Principal Agent Bradley Hancock</image:caption><image:title>Brad Hancock - Headshot-small size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Which%20Is%20Better.png</image:loc><image:caption>Cyber Insurance Settlement Provisions: Which Is Better?</image:caption><image:title>Which Is Better</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/CYBER%20INSURANCE%20Pay%20On%20Behalf%20Of%20VS%20Reimbursement.png</image:loc><image:caption>CYBER INSURANCE: Pay On Behalf Of VS Reimbursement</image:caption><image:title>CYBER INSURANCE Pay On Behalf Of VS Reimbursement</image:title></image:image><lastmod>2023-07-15</lastmod></url><url><loc>https://www.insurancefortexans.com/knowledge-base/what-is-a-home-insurance-floater</loc><lastmod>2026-04-27</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/hail-insurance-for-your-home</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Smiling%20blonde%20holding%20umbrella%20against%20calm%20sea%20with%20lighthouse.jpeg</image:loc><image:caption>Smiling blonde holding umbrella against calm sea with lighthouse</image:caption><image:title>Smiling blonde holding umbrella against calm sea with lighthouse</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Close%20up%20of%20a%20pink%20piggy%20bank%20with%20dollars%20beside%20miniature%20house%20model%20on%20white%20background.jpeg</image:loc><image:caption>Close up of a pink piggy bank with dollars beside miniature house model on white background</image:caption><image:title>Close up of a pink piggy bank with dollars beside miniature house model on 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/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>2024-03-13</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-should-texas-churches-know-about-abuse-and-molestation-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/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/Abuse%20and%20molestation%20insurance%20for%20Texas%20Churches.png</image:loc><image:caption>Abuse and molestation insurance for Texas Churches</image:caption><image:title>Abuse and molestation insurance for Texas Churches</image:title></image:image><lastmod>2026-03-30</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/three-2025-health-insurance-tips-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/Three%202025%20Health%20Insurance%20Tips%20for%20Texas%20Small%20Businesses.png</image:loc><image:caption>Three 2025 Health Insurance Tips for Texas Small Businesses</image:caption><image:title>Three 2025 Health Insurance Tips 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>2025-04-01</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/1d834d99-4daa-46d2-8db5-9afa4e3d37ba</loc><lastmod>2026-02-12</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/1a8afcf5-8a41-4742-bf00-6ad273a87b19</loc><lastmod>2026-02-12</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/the-difference-between-a-dp-1-and-dp-3-rental-policy</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/The%20Difference%20Between%20a%20DP-1%20and%20DP-3%20Rental%20Policy.png</image:loc><image:caption>The Difference Between a DP-1 and DP-3 Rental Policy</image:caption><image:title>The Difference Between a DP-1 and DP-3 Rental Policy</image:title></image:image><lastmod>2023-12-20</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-home-insurance-cover-my-flooded-house-0</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Wall%20of%20sandbags%20and%20pump%20discharge%20tube%20reflected%20by%20puddle%20in%20parking%20lot%20near%20the%20Illinois%20River%20Documentary%20detail%20for%20themes%20of%20flood%20control%2c%20emergency%20response%2c%20preparedness.jpeg</image:loc><image:caption>Wall of sandbags and pump discharge tube reflected by puddle in parking lot near the Illinois River Documentary detail for themes of flood control, emergency response, preparedness</image:caption><image:title>Wall of sandbags and pump discharge tube reflected by puddle in parking lot near the Illinois River Documentary detail for themes of flood control, emergency response, preparedness</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/Stormy%20sky%20at%20sunset%20in%20summer.jpeg</image:loc><image:caption>Stormy sky at sunset in summer</image:caption><image:title>Stormy sky at sunset in summer</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>2020-05-05</lastmod></url><url><loc>https://www.insurancefortexans.com/austin-home-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurancefortexans%20Nov%202017/Images/texasflagmed.jpg</image:loc><image:caption>texasflagmed</image:caption><image:title>texasflagmed</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/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/depositphotos_82263970-stock-photo-view-of-austin-downtown-skyline.jpg</image:loc><image:caption>depositphotos_82263970-stock-photo-view-of-austin-downtown-skyline</image:caption><image:title>depositphotos_82263970-stock-photo-view-of-austin-downtown-skyline</image:title></image:image><lastmod>2022-04-25</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-do-i-protect-business-income</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/0.png</image:loc><image:caption>0</image:caption><image:title>0</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>2022-01-13</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/f56851ba-8434-489d-b0db-99b408109ffa</loc><lastmod>2026-06-19</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/are-inspection-deficiencies-raising-your-texas-daycare-insurance-costs</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Education%20Insurance%20-%20Daycare%20&amp;%20Preschool%20Programs.png</image:loc><image:caption>True Texas Education Insurance - Daycare &amp; Preschool Programs</image:caption><image:title>True Texas Education Insurance - Daycare &amp; Preschool Programs</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png</image:loc><image:caption>Insurance For Texans Principal Agent Bradley Hancock</image:caption><image:title>Brad Hancock - Headshot-small size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Are%20Inspection%20Deficiencies%20Raising%20Your%20Texas%20Daycare%20Insurance%20Costs.png</image:loc><image:caption>Are Inspection Deficiencies Raising Your Texas Daycare Insurance Costs?</image:caption><image:title>Are Inspection Deficiencies Raising Your Texas Daycare Insurance Costs</image:title></image:image><lastmod>2025-10-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-do-you-need-replacement-cost-on-personal-belongings</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/personalbelongings.png</image:loc><image:caption>personalbelongings</image:caption><image:title>personalbelongings</image:title></image:image><lastmod>2022-01-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-if-i-die-with-debt</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/young%20man%20relax%20on%20the%20green%20field.jpeg</image:loc><image:caption>young man relax on the green field</image:caption><image:title>young man relax on the green field</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Portrait%20of%20despair%20widow%20being%20in%20mourning.jpeg</image:loc><image:caption>Portrait of despair widow being in mourning</image:caption><image:title>Portrait of despair widow being in mourning</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Kevin%20Hall%20-%20Headshot-smaller%20size.png</image:loc><image:caption>Insurance For Texans Life &amp; Health Insurance Specialist - Kevin Hall</image:caption><image:title>Kevin Hall - Headshot-smaller size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2024-01-03</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-a-standalone-hail-policy-helps-offset-roof-payment-schedules</loc><video:video><video:thumbnail_loc>https://2659071.fs1.hubspotusercontent-na2.net/hubfs/2659071/how-a-standalone-hail-policy-helps-offset-roof-payment-schedules.mp4/medium.jpg</video:thumbnail_loc><video:title>How a Standalone Hail Policy Helps Offset Roof Payment Schedules</video:title><video:description>Older Roofs in Texas? 

Avoid Actual Cash Value Surprises with a Standalone Hail Policy

Ron from Insurance for Texans explains that many Texas homeowners with older roofs may not be covered as expected because insurers are shifting roof coverage from replacement cost to actual cash value. They are doing this by using roof payment schedules.</video:description><video:content_loc>https://www.insurancefortexans.com/hubfs/how-a-standalone-hail-policy-helps-offset-roof-payment-schedules.mp4</video:content_loc><video:duration>253</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>HailDamageCoverage</video:tag><video:tag>OlderRoofInsurance</video:tag><video:tag>StandaloneHailPolicy</video:tag><video:tag>TexasHomeInsurance</video:tag><video:tag>RoofReplacement</video:tag></video:video><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/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><lastmod>2026-06-16</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/hail-deductible-buy-down-policies-save-money-for-texas-private-schools</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Education%20Insurance%20-%20Private%20Schools.png</image:loc><image:caption>True Texas Education Insurance - Private Schools</image:caption><image:title>True Texas Education Insurance - Private 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><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/Hail%20Deductible%20Buy%20Down%20Policies%20Save%20Money%20For%20Texas%20Private%20Schools.png</image:loc><image:caption>Hail Deductible Buy Down Policies Save Money For Texas Private Schools</image:caption><image:title>Hail Deductible Buy Down Policies Save Money For Texas Private Schools</image:title></image:image><lastmod>2025-06-11</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/264b7488-9f7b-4a1e-a844-adb1e7a9f9f4</loc><lastmod>2026-02-12</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/a2f47f82-2e43-4fd1-a9b1-ba23a204a9fc</loc><lastmod>2026-02-12</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-my-home-insurance-make-me-rebuild-after-a-claim</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/Time%20for%20Good%20News%20Handwritten%20by%20White%20Chalk%20on%20a%20Blackboard.%20Composition%20with%20Small%20Green%20Chalkboard%20and%20Cup%20of%20Coffee.%20Top%20View.%203D%20Render..jpeg</image:loc><image:caption>Time for Good News Handwritten by White Chalk on a Blackboard. Composition with Small Green Chalkboard and Cup of Coffee. Top View. 3D Render.</image:caption><image:title>Time for Good News Handwritten by White Chalk on a Blackboard. Composition with Small Green Chalkboard and Cup of Coffee. Top View. 3D Render.</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/custom-video-thumbnails/Does%20My%20Home%20Insurance%20Make%20Me%20Rebuild%20My%20Home%20After%20A%20Claim-thumb.jpeg</image:loc><image:caption>Does My Home Insurance Make Me Rebuild My Home After A Claim-thumb</image:caption><image:title>Does My Home Insurance Make Me Rebuild My Home After A Claim-thumb</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>2019-07-02</lastmod></url><url><loc>https://www.insurancefortexans.com/basics-of-home-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Basic%20Parts%20of%20Home%20Insurance.png</image:loc><image:caption>Home Insurance is broken down into three basic parts and some other things to think about.</image:caption><image:title>Basic Parts of Home Insurance</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/InsuranceForTexans%20Logo%20skinny.webp</image:loc><image:caption>InsuranceForTexans Logo skinny</image:caption><image:title>InsuranceForTexans Logo skinny</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/The%20Basics%20Of%20Home%20Insurance.png</image:loc><image:caption>The Basics Of Texas Home Insurance</image:caption><image:title>The Basics Of Home Insurance</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Liability%20Coverage.png</image:loc><image:caption>The Basics Of Home Insurance - Liability Coverage</image:caption><image:title>Liability Coverage</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Property%20Coverage.png</image:loc><image:caption>The Basics of Home Insurance - Property Coverage</image:caption><image:title>Property Coverage</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Your%20Responsibilities.png</image:loc><image:caption>The Basics Of Home Insurance - Your Responsibilities</image:caption><image:title>Your Responsibilities</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Other%20Things%20To%20Consider.png</image:loc><image:caption>The Basics Of Home Insurance - Other Things To Consider</image:caption><image:title>Other Things To 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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/given-the-recent-disaster-how-does-texas-flood-insurance-work</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/Given%20The%20Recent%20Disaster%2c%20How%20Does%20Texas%20Flood%20Insurance%20Work.png</image:loc><image:caption>Given The Recent Disaster, How Does Texas Flood Insurance Work?</image:caption><image:title>Given The Recent Disaster, How Does Texas 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Headshot-small size</image:title></image:image><lastmod>2023-12-28</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/is-your-daycare-insurance-agent-lying-to-you</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Daycare%20insurance%20agent%20lying%20to%20you.png</image:loc><image:caption>Daycare insurance agent lying to you</image:caption><image:title>Daycare insurance agent lying to you</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>2026-05-01</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/top-3-property-risks-texas-churches-face-and-how-to-face-them</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Amanda%20Minter%20-%20Church%20Insurance%20Specialist%20-%20Insurance%20For%20Texans.png</image:loc><image:caption>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:caption><image:title>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Top%203%20Property%20Risks%20Texas%20Churches%20Face%20%E2%80%94%20And%20How%20to%20Face%20Them.png</image:loc><image:caption>Top 3 Property Risks Texas Churches Face — And How to Face Them</image:caption><image:title>Top 3 Property Risks Texas Churches Face — And How to Face Them</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>2026-01-05</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-home-insurance-cover-earthquakes-0</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Black%20Office%20Folder%20with%20Inscription%20Financial%20Solutions%20on%20Office%20Desktop%20with%20Office%20Supplies%20and%20Modern%20Laptop.%20Financial%20Solutions%20Business%20Concept%20on%20Blurred%20Background.%203D%20Render.-1.jpeg</image:loc><image:caption>Black Office Folder with Inscription Financial Solutions on Office Desktop with Office Supplies and Modern Laptop. Financial Solutions Business Concept on Blurred Background. 3D Render.-1</image:caption><image:title>Black Office Folder with Inscription Financial Solutions on Office Desktop with Office Supplies and Modern Laptop. Financial Solutions Business Concept on Blurred Background. 3D Render.-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/Rear%20view%20of%20businesswoman%20looking%20at%20ruins%20of%20city.jpeg</image:loc><image:caption>Rear view of businesswoman looking at ruins of city</image:caption><image:title>Rear view of businesswoman looking at ruins of city</image:title></image:image><lastmod>2020-05-02</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/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%20you%20worried%20about%20how%20you%20would%20pay%20for%20a%20hail%20claim%20YouTube%20thumbnail-1.png</image:loc><image:caption>Are you worried about how you would pay for a hail claim YouTube thumbnail-1</image:caption><image:title>Are you worried about how you would pay for a hail claim YouTube thumbnail-1</image:title></image:image><lastmod>2026-06-22</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/whose-insurance-pays-if-my-tree-falls-on-your-house</loc><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 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isolated over a white background</image:caption><image:title>Portrait of a mother and son - isolated over a white background</image:title></image:image><lastmod>2022-01-13</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/faithful-stewardship-trusts-the-church-insurance-experts</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/undefined-2.jpeg</image:loc><image:caption>undefined-2</image:caption><image:title>undefined-2</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/undefined-1.png</image:loc><image:caption>undefined-1</image:caption><image:title>undefined-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Week%2020%20Podcast%20Blog%20Image.png</image:loc><image:caption>Week 20 Podcast Blog Image</image:caption><image:title>Week 20 Podcast Blog Image</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>2026-02-13</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/5126575b-1d23-4fff-8663-97e60c23be87</loc><lastmod>2025-12-10</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/is-a-private-flood-insurance-policy-good-for-texans</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Is%20A%20Private%20Flood%20Insurance%20Policy%20Good%20For%20Texans.png</image:loc><image:caption>Is A Private Flood Insurance Policy Good For Texans</image:caption><image:title>Is A Private Flood Insurance Policy Good For Texans</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2019-06-10</lastmod></url><url><loc>https://www.insurancefortexans.com/en/texas-print-shop-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/Print%20Shop%20Cyber%20Liability.png</image:loc><image:caption>Print Shop Cyber Liability</image:caption><image:title>Print Shop Cyber Liability</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Print%20Shop%20Property%20Insurance.png</image:loc><image:caption>True Texas Print Shop Property Insurance</image:caption><image:title>Print Shop Property Insurance</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/Print%20Shop%20General%20Liability.png</image:loc><image:caption>True Texas Print Shop General Liability</image:caption><image:title>Print Shop General Liability</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Print%20Shop%20Commercial%20Auto.png</image:loc><image:caption>True Texas Print Shop Commercial Auto</image:caption><image:title>Print Shop Commercial Auto</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Print%20Shop%20Professional%20Liability.png</image:loc><image:caption>True Texas Print Shop Professional Liability</image:caption><image:title>Print Shop Professional Liability</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Print%20Shop%20Insurance.png</image:loc><image:caption>True Texas Print Shop Insurance</image:caption><image:title>True Texas Print Shop Insurance</image:title></image:image><lastmod>2023-12-18</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/do-texas-family-owned-businesses-need-succession-plans</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 - 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dimension</image:title></image:image><lastmod>2019-06-25</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/f4b3e996-2396-441b-b450-a7428308d1a1</loc><lastmod>2026-02-12</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/is-your-churchs-legal-protection-in-or-out</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/Liability%20Defense%20Costs%20Churches%20Blog%20Post.png</image:loc><image:caption>Liability Defense Costs Churches Blog Post</image:caption><image:title>Liability Defense Costs Churches Blog 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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>2023-06-30</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/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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concept</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/IFT%20Logo.gif</image:loc><image:caption>IFT Logo</image:caption><image:title>IFT Logo</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/20190107-DSCF7803-Edit.jpg</image:loc><image:caption>20190107-DSCF7803-Edit</image:caption><image:title>20190107-DSCF7803-Edit</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>2019-02-22</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/is-health-insurance-mandatory-for-your-small-texas-business</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/Is%20Health%20Insurance%20Mandatory%20for%20Your%20Small%20Texas%20Business%3F.png</image:loc><image:caption>Is Health Insurance Mandatory for Your Small Texas Business?</image:caption><image:title>Is Health Insurance Mandatory for Your Small Texas Business?</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2024-05-23</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/dont-let-accidents-print-red-insurance-must-haves-for-print-shops</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%20Must%20Haves%20for%20Texas%20Print%20Shops.png</image:loc><image:caption>Insurance Must Haves for Texas Print Shops</image:caption><image:title>Insurance Must Haves for Texas Print 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Prescriptions Without Insurance</image:caption><image:title>Can I Get Prescriptions Without 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><image:image><image:loc>https://www.insurancefortexans.com/hubfs/5%20Questions%20To%20Ask%20Of%20Your%20Prescription%20Plans.png</image:loc><image:caption>5 Questions To Ask Of Your Prescription Plans</image:caption><image:title>5 Questions To Ask Of Your Prescription Plans</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>2019-10-07</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-is-the-dwelling-amount-on-home-insurance-calculated-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/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/The%20Computer%20Finds%20An%20Estimate%20Based%20Off%20Of%20The%20Data.jpg</image:loc><image:caption>The Computer Finds An Estimate Based Off Of The Data</image:caption><image:title>The Computer Finds An Estimate Based Off Of The 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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/Woman%20with%20her%20hand%20extended%20signaling%20to%20stop%20(only%20her%20hand%20is%20in%20focus).jpeg</image:loc><image:caption>Woman with her hand extended signaling to stop (only her hand is in focus)</image:caption><image:title>Woman with her hand extended signaling to stop (only her hand is in focus)</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Service%20Concept%20-%20Icon%20of%20Crossed%20Screwdriver%20and%20Wrench%20on%20Green%20Arrow%20on%20a%20Grey%20Background..jpeg</image:loc><image:caption>Service Concept - Icon of Crossed Screwdriver and Wrench on Green 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Shop</image:title></image:image><lastmod>2025-08-05</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/texas-law-on-waiving-insurance-deductibles</loc><video:video><video:thumbnail_loc>https://2659071.fs1.hubspotusercontent-na2.net/hubfs/2659071/Why%20Is%20My%20Roofer%20Now%20Telling%20Me%20I%20Have%20To%20Pay%20My%20Deductible.mp4/medium.jpg</video:thumbnail_loc><video:title>Why Is My Roofer Now Telling Me I Have To Pay My Deductible</video:title><video:description>Why Is My Roofer Now Telling Me I Have To Pay My Deductible</video:description><video:content_loc>https://www.insurancefortexans.com/hubfs/Why%20Is%20My%20Roofer%20Now%20Telling%20Me%20I%20Have%20To%20Pay%20My%20Deductible.mp4</video:content_loc><video:duration>437</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/Texas%20Law%20On%20Waiving%20Insurance%20Deductibles.png</image:loc><image:caption>Texas Law On Waiving Insurance Deductibles</image:caption><image:title>Texas Law On Waiving Insurance Deductibles</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%20Does%20This%20Benefit%20Me.png</image:loc><image:caption>How Does This Benefit Me</image:caption><image:title>How Does This Benefit Me</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/How%20Do%20I%20Stay%20Compliant%20With%20Insurance%20Law%20700.002.png</image:loc><image:caption>How Do I Stay Compliant With Insurance Law 700.002</image:caption><image:title>How Do I Stay Compliant With Insurance Law 700.002</image:title></image:image><lastmod>2024-08-01</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/life-moves-pretty-fast-but-insurance-planning-helps-you-look-around</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Life-Moves-Pretty-Fast-Ferris-Bueller.jpg</image:loc><image:caption>Life moves pretty fast, if you don't stop and look around once in a while, you could miss it. - Ferris Bueller</image:caption><image:title>Life-Moves-Pretty-Fast-Ferris-Bueller</image:title></image:image><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/Newly-Wed-Mom-Dad.jpg</image:loc><image:caption>Newlywed Rick &amp;amp; Carol Wadley</image:caption><image:title>Newly-Wed-Mom-Dad</image:title></image:image><lastmod>2026-05-17</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/do-i-still-buy-this-home-if-the-roof-needs-repair-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/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/Clue%20Report%20Exposes%20Previous%20Claim%20Activity.jpg</image:loc><image:caption>Clue Report Exposes Previous Claim Activity</image:caption><image:title>Clue Report Exposes Previous Claim Activity</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Do%20I%20Still%20Buy%20This%20Home%20If%20The%20Roof%20Needs%20Repair.png</image:loc><image:caption>Do I Still Buy This Home If The Roof Needs Repair</image:caption><image:title>Do I Still Buy This Home If The Roof Needs Repair</image:title></image:image><lastmod>2020-09-22</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 dimension</image:title></image:image><lastmod>2022-08-08</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-are-my-hipaa-concerns-with-a-cyber-incident</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20Are%20My%20HIPAA%20Concerns%20WIth%20A%20Cyber%20Incident.png</image:loc><image:caption>What Are My HIPAA Concerns WIth A Cyber Incident?</image:caption><image:title>What Are My HIPAA Concerns WIth A Cyber Incident</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/Requirements%20for%20Cybersecurity%20Incidents%20under%20HIPAA.png</image:loc><image:caption>Requirements for Cybersecurity Incidents under HIPAA</image:caption><image:title>Requirements for Cybersecurity Incidents under HIPAA</image:title></image:image><lastmod>2023-08-17</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/managing-your-ministry-essential-human-resources-help-for-texas-churches</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/True%20Texas%20Church%20Insurance.png</image:loc><image:caption>True Texas Church Insurance</image:caption><image:title>True Texas Church Insurance</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Managing%20Your%20Ministry%20Essential%20Human%20Resources%20Help%20for%20Texas%20Churches.png</image:loc><image:caption>Managing Your Ministry Essential Human Resources Help for Texas Churches</image:caption><image:title>Managing Your Ministry Essential Human Resources Help for Texas Churches</image:title></image:image><lastmod>2025-12-18</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/where-can-i-find-an-affordable-insurance-plan-for-my-texas-church</loc><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/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/Where%20Can%20I%20Find%20An%20Affordable%20Insurance%20Plan%20For%20My%20Texas%20Church.png</image:loc><image:caption>Where Can I Find An Affordable Insurance Plan For My Texas Church?</image:caption><image:title>Where Can I Find An Affordable Insurance Plan For My Texas Church</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>2026-03-09</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-is-my-homeowners-insurance-only-replacing-part-of-my-roof</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/Make%20Sure%20Your%20Cosmetic%20Damaged%20Gutters%20Get%20Replaced.png</image:loc><image:caption>Make Sure Your Cosmetic Damaged Gutters Get Replaced</image:caption><image:title>Make Sure Your Cosmetic Damaged Gutters Get Replaced</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Why%20Is%20My%20Homeowners%20Insurance%20Only%20Replacing%20Part%20Of%20My%20Roof.png</image:loc><image:caption>Why Is My Homeowners Insurance Only Replacing Part Of My Roof</image:caption><image:title>Why Is My Homeowners Insurance Only Replacing Part Of My Roof</image:title></image:image><lastmod>2023-12-06</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/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><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/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2023-06-13</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/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><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>2026-06-26</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/grapevine-home-insurance-deductibles-0</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Business%20woman%20standing%20in%20rain%20with%20an%20umbrella%20concept%20on%20background-1.jpeg</image:loc><image:caption>Business woman standing in rain with an umbrella concept on background-1</image:caption><image:title>Business woman standing in rain with an umbrella concept on background-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/A%20small%20cottage%20and%20a%20three-dimensional%20stack%20of%20hundred-dollar%20bills.%20symbol%20of%20a%20successful%20real%20estate%20business-1.jpeg</image:loc><image:caption>A small cottage and a three-dimensional stack of hundred-dollar bills. symbol of a successful real estate business-1</image:caption><image:title>A small cottage and a three-dimensional stack of hundred-dollar bills. symbol of a successful real estate business-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Texas%20wooden%20sign%20isolated%20on%20desert%20background.jpeg</image:loc><image:caption>Texas wooden sign isolated on desert background</image:caption><image:title>Texas wooden sign isolated on desert background</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/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>2020-04-24</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/do-burleson-home-insurance-premiums-go-up-every-year</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/3D%20man%20looking%20at%20question%20marks%20to%20make%20a%20decision%20isolated%20over%20white.jpeg</image:loc><image:caption>3D man looking at question marks to make a decision isolated over white</image:caption><image:title>3D man looking at question marks to make a decision isolated over white</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Drawing%20of%20a%20businessman%20with%20an%20upward%20arrow.jpeg</image:loc><image:caption>Drawing of a businessman with an upward arrow</image:caption><image:title>Drawing of a businessman with an upward arrow</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 2002</image:caption><image:title>NOAA Large Hail Event Report 2002</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>2019-05-16</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/is-raising-my-deductible-on-my-home-insurance-a-good-idea</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/Home%20Insurance%20Tips.png</image:loc><image:caption>Home Insurance Tips</image:caption><image:title>Home Insurance Tips</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>2021-11-03</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-isnt-the-entire-roof-being-replaced-on-my-home</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Why%20Isnt%20The%20Entire%20Roof%20Being%20Replaced%20On%20My%20Home.png</image:loc><image:caption>Why Isn't The Entire Roof Being Replaced On My Home?</image:caption><image:title>Why Isnt The Entire Roof Being Replaced On My Home</image:title></image:image><lastmod>2024-01-05</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-do-texas-churches-need-to-do-the-morning-after-a-big-hail-storm</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Amanda%20Minter%20-%20Church%20Insurance%20Specialist%20-%20Insurance%20For%20Texans.png</image:loc><image:caption>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:caption><image:title>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20Do%20Texas%20Churches%20Need%20To%20Do%20The%20Morning%20After%20A%20Big%20Hail%20Storm.png</image:loc><image:caption>What Do Texas Churches Need To Do The Morning After A Big Hail Storm?</image:caption><image:title>What Do Texas Churches Need To Do The Morning After A Big Hail Storm</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>2026-01-05</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/83e82d91-f56e-48df-9a1e-d5af89556d38</loc><lastmod>2026-02-12</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/avoiding-the-smudge-professional-liability-lessons-for-texas-print-shops</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/Avoiding%20The%20Smudge%20Professional%20Liability%20Lessons%20for%20Texas%20Print%20Shops.png</image:loc><image:caption>Avoiding The Smudge: Professional Liability Lessons for Texas Print Shops</image:caption><image:title>Avoiding The Smudge Professional Liability Lessons for Texas Print Shops</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>2023-11-13</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/3b3e4395-0f4c-45dd-be1b-245b5442299e</loc><lastmod>2026-06-05</lastmod></url><url><loc>https://www.insurancefortexans.com/investment-property-insurance-basics</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurancefortexans%20Nov%202017/Images/texasflagmed.jpg</image:loc><image:caption>texasflagmed</image:caption><image:title>texasflagmed</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/ROI%20-%20Golden%20Key%20on%20White%20Background.%203D%20Render.%20Business%20Concept..jpeg</image:loc><image:caption>ROI - Golden Key on White Background. 3D Render. Business Concept.</image:caption><image:title>ROI - Golden Key on White Background. 3D Render. Business Concept.</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Close%20up%20of%20businessman%20drawing%20money%20concept-1.jpeg</image:loc><image:caption>Close up of businessman drawing money concept-1</image:caption><image:title>Close up of businessman drawing money concept-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/3D%20Saving%20for%20a%20house%20-%20isolated%20over%20a%20white%20background.jpeg</image:loc><image:caption>3D Saving for a house - isolated over a white background</image:caption><image:title>3D Saving for a house - isolated over a white background</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><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Miniature%20house%20with%20a%20calculator%20against%20a%20white%20background.jpeg</image:loc><image:caption>Miniature house with a calculator against a white background</image:caption><image:title>Miniature house with a calculator against a white background</image:title></image:image><lastmod>2022-04-24</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/faithful-stewardship-understands-your-churchs-liability-risks</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Week%2011%20Podcast%20Blog%20Image.png</image:loc><image:caption>Week 11 Podcast Blog Image</image:caption><image:title>Week 11 Podcast Blog Image</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/undefined-1.png</image:loc><image:caption>undefined-1</image:caption><image:title>undefined-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/undefined-2.jpeg</image:loc><image:caption>undefined-2</image:caption><image:title>undefined-2</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/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>2025-12-12</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/catastrophic-health-coverage-an-affordable-solution-for-small-churches</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/Catastrophic%20Health%20Coverage%20An%20Affordable%20Solution%20for%20Small%20Churches.png</image:loc><image:caption>Catastrophic Health Coverage An Affordable Solution for Small Churches</image:caption><image:title>Catastrophic Health Coverage An Affordable Solution for Small Churches</image:title></image:image><lastmod>2024-11-13</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/who-picks-the-contractor-when-my-texas-church-makes-a-storm-claim</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Amanda%20Minter%20-%20Church%20Insurance%20Specialist%20-%20Insurance%20For%20Texans.png</image:loc><image:caption>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:caption><image:title>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Who%20Picks%20The%20Contractor%20When%20My%20Texas%20Church%20Makes%20A%20Storm%20Claim%3F.png</image:loc><image:caption>Who Picks The Contractor When My Texas Church Makes A Storm Claim?</image:caption><image:title>Who Picks The Contractor When My Texas Church Makes A Storm Claim?</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><lastmod>2026-03-13</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/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Want%20Cash%20for%20a%20Hail%20Claim%20in%20TexasYouTube%20thumbnail.png</image:loc><image:caption>Want Cash for a Hail Claim in TexasYouTube thumbnail</image:caption><image:title>Want Cash for a Hail Claim in TexasYouTube thumbnail</image:title></image:image><lastmod>2026-06-18</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-burleson-home-insurance-cover-foundations</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/working.jpeg</image:loc><image:caption>working</image:caption><image:title>working</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/Are%20you%20Covered%3F%20written%20on%20the%20road-1.jpeg</image:loc><image:caption>Are you Covered? written on the road-1</image:caption><image:title>Are you Covered? written on the road-1</image:title></image:image><lastmod>2019-04-05</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/is-there-a-limit-how-many-hail-claims-before-your-insurer-drops-you</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/Is%20There%20a%20Limit%3F%20How%20Many%20Hail%20Claims%20Before%20Your%20Insurer%20Drops%20You.png</image:loc><image:caption>Is There a Limit? How Many Hail Claims Before Your Insurer Drops You</image:caption><image:title>Is There a Limit? How Many Hail Claims Before Your Insurer Drops You</image:title></image:image><lastmod>2024-04-17</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/405c92c3-9fbb-4f10-a9f0-9631016804cc</loc><lastmod>2026-06-05</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-is-it-hard-to-get-liability-coverage-for-my-texas-daycare</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png</image:loc><image:caption>Insurance For Texans Principal Agent Bradley Hancock</image:caption><image:title>Brad Hancock - Headshot-small size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Why%20Is%20It%20Hard%20To%20Get%20Liability%20Coverage%20For%20My%20Texas%20Daycare%3F.png</image:loc><image:caption>Why Is It Hard To Get Liability Coverage For My Texas Daycare?</image:caption><image:title>Why Is It Hard To Get Liability Coverage For My Texas Daycare?</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Education%20Insurance%20-%20Daycare%20&amp;%20Preschool%20Programs.png</image:loc><image:caption>True Texas Education Insurance - Daycare &amp; Preschool Programs</image:caption><image:title>True Texas Education Insurance - Daycare &amp; Preschool Programs</image:title></image:image><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>2025-10-28</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/whose-insurance-pays-if-my-tree-falls-on-your-house-0</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Texas%20Flag.jpg</image:loc><image:caption>Texas Flag</image:caption><image:title>Texas Flag</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><lastmod>2020-05-13</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/more-isnt-better-why-multiple-church-insurance-agents-can-backfire</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Church%20Insurance.png</image:loc><image:caption>True Texas Church 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1200 X 300</image:caption><image:title>True Texas Home Insurance Logo - 1200 X 300</image:title></image:image><lastmod>2025-05-22</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/your-churchs-location-and-life-cycle-define-your-insurance-risks</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Your%20Church%E2%80%99s%20Location%20and%20Life%20Cycle%20Define%20Your%20Real%20Insurance%20Risk.png</image:loc><image:caption>Your Church’s Location and Life Cycle Define Your Real Insurance Risk</image:caption><image:title>Your Church’s Location and Life Cycle Define Your Real Insurance Risk</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>2026-05-18</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/how-direct-primary-care-works-with-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/how%20Direct%20Primary%20Care%20works%20with%20health%20insurance.png</image:loc><image:caption>how Direct Primary Care works with health insurance</image:caption><image:title>how Direct Primary Care works with health insurance</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/how%20Direct%20Primary%20Care%20works%20with%20health%20insurance%20(1).png</image:loc><image:caption>how Direct Primary Care works with health insurance (1)</image:caption><image:title>how Direct Primary Care works with health insurance (1)</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Andrea%20AI%20headshot.png</image:loc><image:caption>Andrea AI headshot</image:caption><image:title>Andrea AI headshot</image:title></image:image><lastmod>2025-10-01</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/your-blog-post-title-here...what-should-a-single-parent-do-about-life-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Mom%20and%20little%20girl%20relaxing%20in%20sofa.jpeg</image:loc><image:caption>Mom and little girl relaxing in sofa</image:caption><image:title>Mom and little girl relaxing in sofa</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/Would%20You%20Like%20Our%20Help-%20Employer.jpg</image:loc><image:caption>Would You Like Our Help- Employer</image:caption><image:title>Would You Like Our Help- Employer</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Portrait%20of%20young%20man%20with%202%20kids.jpeg</image:loc><image:caption>Portrait of young man with 2 kids</image:caption><image:title>Portrait of young man with 2 kids</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-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/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/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><lastmod>2026-06-24</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-texas-have-its-own-health-insurance-marketplace</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/Does%20Texas%20Have%20Its%20Own%20Health%20Insurance%20Marketplace.png</image:loc><image:caption>Does Texas Have Its Own Health Insurance Marketplace?</image:caption><image:title>Does Texas Have Its Own Health Insurance Marketplace</image:title></image:image><lastmod>2024-10-18</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/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/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png</image:loc><image:caption>Insurance For Texans Principal Agent Bradley Hancock</image:caption><image:title>Brad Hancock - Headshot-small size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Coinsurance%20Formula.png</image:loc><image:caption>Coinsurance Formula</image:caption><image:title>Coinsurance Formula</image:title></image:image><lastmod>2022-10-04</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-can-you-insure-my-home-for-more-than-its-worth</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Home%20Insurance%20For%20Texans.png</image:loc><image:caption>Home Insurance For Texans</image:caption><image:title>Home Insurance For Texans</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/three%20values%20for%20every%20home.png</image:loc><image:caption>three values for every home</image:caption><image:title>three values for every home</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/How%20Can%20You%20Insure%20My%20Home%20For%20More%20Than%20Its%20Worth.png</image:loc><image:caption>How Can You Insure My Home For More Than Its Worth</image:caption><image:title>How Can You Insure My Home For More Than Its Worth</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>2022-01-13</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/accusations-texas-private-schools-must-have-professional-liability</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Accusations%20Texas%20Private%20Schools%20Must%20Have%20Professional%20Liability.png</image:loc><image:caption>Accusations? Texas Private Schools Must Have Professional Liability</image:caption><image:title>Accusations Texas Private Schools Must Have Professional Liability</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-%20Private%20Schools.png</image:loc><image:caption>True Texas Education Insurance - Private Schools</image:caption><image:title>True Texas Education Insurance - Private Schools</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>2025-01-07</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/buying-a-home-heres-a-home-insurance-guide</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/Human%20hand%20holding%20bulb%20with%20money%20tree%20inside.%20Wealth%20concept.jpeg</image:loc><image:caption>Human hand holding bulb with money tree inside. 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size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/The%20True%20Cost%20Of%20Small%20Business%20Health%20Insurance%20In%20Texas.png</image:loc><image:caption>The True Cost Of Small Business Health Insurance In Texas</image:caption><image:title>The True Cost Of Small Business Health Insurance In Texas</image:title></image:image><lastmod>2025-06-04</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-is-open-perils-coverage</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/open%20perils.png</image:loc><image:caption>open perils</image:caption><image:title>open perils</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>2026-04-03</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-my-texas-daycare-need-directors-officers-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/True%20Texas%20Education%20Insurance%20-%20Daycare%20&amp;%20Preschool%20Programs.png</image:loc><image:caption>True Texas Education Insurance - Daycare &amp; Preschool Programs</image:caption><image:title>True Texas Education Insurance - Daycare &amp; Preschool Programs</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png</image:loc><image:caption>Insurance For Texans Principal Agent Bradley Hancock</image:caption><image:title>Brad Hancock - Headshot-small size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Does%20My%20Texas%20Daycare%20Need%20Directors%20&amp;%20Officers%20Insurance.png</image:loc><image:caption>Does My Texas Daycare Need Directors &amp;amp; Officers Insurance?</image:caption><image:title>Does My Texas Daycare Need Directors &amp; Officers Insurance</image:title></image:image><lastmod>2025-10-24</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/home-and-auto-insurance-make-a-merry-christmas</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/Father%20Christmas%20is%20wearing%20a%20tool%20belt%20against%20red%20background.jpeg</image:loc><image:caption>Father Christmas is wearing a tool belt against red background</image:caption><image:title>Father Christmas is wearing a tool belt against red 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tornado</image:caption><image:title>Starting over Reconstruction of house destroyed by a tornado</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Peace%20of%20Mind%20wooden%20sign%20on%20a%20beautiful%20day.jpeg</image:loc><image:caption>Peace of Mind wooden sign on a beautiful day</image:caption><image:title>Peace of Mind wooden sign on a beautiful day</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Rubble%20from%20destroyed%20homes%20remains%20heaped%20up%20in%20neighborhood%20where%20other%20houses%20undergo%20repair%20during%20recovery%20more%20than%204%20months%20after%20a%20tornado%20in%20Washington%2c%20Illinois%2c%20USA.jpeg</image:loc><image:caption>Rubble from destroyed homes remains heaped up in neighborhood where other houses undergo repair during recovery more than 4 months after a tornado in Washington, Illinois, USA</image:caption><image:title>Rubble from 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Costs</image:caption><image:title>Saving Grace How Small Churches Can Navigate Soaring Insurance Costs</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>2026-03-04</lastmod></url><url><loc>https://www.insurancefortexans.com/knowledge-base/what-is-an-insurance-premium</loc><lastmod>2026-07-06</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/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%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/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/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><lastmod>2022-01-13</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/can-small-texas-churches-lower-insurance-costs-without-giving-up-essential-coverage</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Does%20Your%20Small%20Church%20Struggle%20with%20Insurance%20Premiums%20in%20Texas.png</image:loc><image:caption>Does Your Small Church Struggle with Insurance Premiums in Texas</image:caption><image:title>Does Your Small Church Struggle with Insurance Premiums in Texas</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/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>2026-06-05</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/is-your-sherman-hardware-stores-spring-inventory-fully-covered</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/Is%20Your%20Sherman%20Hardware%20Store%E2%80%99s%20Spring%20Inventory%20Fully%20Covered.png</image:loc><image:caption>Is Your Sherman Hardware Store’s Spring Inventory Fully Covered</image:caption><image:title>Is Your Sherman Hardware Store’s Spring Inventory Fully Covered</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Lindsi%20updated%20headshot.png</image:loc><image:caption>Lindsi updated headshot</image:caption><image:title>Lindsi updated headshot</image:title></image:image><lastmod>2026-07-16</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/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><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/why-wisdom-matters-more-than-knowledge-for-your-texas-home-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Why%20Wisdom%20Matters%20More%20Than%20Knowledge%20For%20Your%20Texas%20Home%20Insurance.png</image:loc><image:caption>Why Wisdom Matters More Than Knowledge For Your Texas Home Insurance</image:caption><image:title>Why Wisdom Matters More Than Knowledge For Your Texas Home Insurance</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><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/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>2025-09-18</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-texas-home-insurance-cover-my-trampoline</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/Full%20length%20of%20a%20happy%20family%20jumping%20high%20on%20trampoline%20in%20the%20park.jpeg</image:loc><image:caption>Full length of a happy family jumping high on trampoline in the park</image:caption><image:title>Full length of a happy family jumping high on trampoline in the park</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Portrait%20of%20daddy%20with%20cute%20little%20girl.jpeg</image:loc><image:caption>Portrait of daddy with cute little girl</image:caption><image:title>Portrait of daddy with cute little girl</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2019-04-28</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-it-matter-if-your-cyber-attack-comes-from-a-terrorist</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Does%20It%20Matter%20If%20Your%20Cyber%20Attack%20Comes%20From%20A%20Terrorist.png</image:loc><image:caption>Does It Matter If Your Cyber Attack Comes From A Terrorist?</image:caption><image:title>Does It Matter If Your Cyber Attack Comes From A Terrorist</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>2025-07-16</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/is-grapevine-condo-insurance-the-same-as-home-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Block%20of%20flats%20at%20the%20new%20subdivision.jpeg</image:loc><image:caption>Block of flats at the new subdivision</image:caption><image:title>Block of flats at the new subdivision</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>2024-01-03</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-is-my-dwelling-value-different-than-my-home-value</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/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>2019-06-25</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/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/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/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><lastmod>2020-04-28</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/if-you-are-a-single-mom-is-your-work-life-insurance-policy-enough</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Business%20people%20taking%20care%20of%20baby%20in%20office.jpeg</image:loc><image:caption>Business people taking care of baby in office</image:caption><image:title>Business people taking care of baby in office</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Home%20Insurance%20For%20Texans.png</image:loc><image:caption>Home Insurance For Texans</image:caption><image:title>Home Insurance For Texans</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Happy%20mother%20and%20daughter%20laughing%20together%20outdoors.jpeg</image:loc><image:caption>Happy mother and daughter laughing together outdoors</image:caption><image:title>Happy mother and daughter laughing together outdoors</image:title></image:image><lastmod>2022-01-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/the-true-cost-of-protection-high-deductibles-in-texas-home-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Home%20Insurance%20Logo%20-%201200%20X%20300.png</image:loc><image:caption>True Texas Home Insurance Logo - 1200 X 300</image:caption><image:title>True Texas Home Insurance Logo - 1200 X 300</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/The%20True%20Cost%20of%20Protection%20High%20Deductibles%20in%20Texas%20Home%20Insurance.png</image:loc><image:caption>The True Cost of Protection High Deductibles in Texas Home Insurance</image:caption><image:title>The True Cost of Protection High Deductibles in Texas 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>2024-03-05</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/a-pastor-experiences-the-promise-of-certainty-during-a-texas-tornado</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Church%20Insurance.png</image:loc><image:caption>True Texas Church Insurance</image:caption><image:title>True Texas Church Insurance</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/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/A%20Pastor%20Experiences%20The%20Promise%20Of%20Certainty%20During%20A%20Texas%20Tornado.png</image:loc><image:caption>A Pastor Experiences The Promise Of Certainty During A Texas Tornado</image:caption><image:title>A Pastor Experiences The Promise Of Certainty During A Texas Tornado</image:title></image:image><lastmod>2025-10-15</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-shop-your-home-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Image%20of%20a%20businessman%20workplace%20with%20papers.jpeg</image:loc><image:caption>Image of a businessman workplace with papers</image:caption><image:title>Image of a businessman workplace with papers</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/Stock%20images/Time%20for%20Change%20Handwritten%20on%20Green%20Chalkboard.%20Business%20Concept.%20Composition%20with%20Chalkboard%20and%20Cup%20of%20Coffee.%20Top%20View%20Image..jpeg</image:loc><image:caption>Time for Change Handwritten on Green Chalkboard. Business Concept. Composition with Chalkboard and Cup of Coffee. Top View Image.</image:caption><image:title>Time for Change Handwritten on Green Chalkboard. Business Concept. Composition with Chalkboard and Cup of Coffee. Top View Image.</image:title></image:image><lastmod>2019-02-25</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-is-extended-replacement-cost-0</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Extended%20Replacement%20Cost%20Case%20Study.png</image:loc><image:caption>Extended Replacement Cost Case Study</image:caption><image:title>Extended Replacement Cost Case Study</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/How%20Does%20Extended%20Replacement%20Cost%20Work%20(1).png</image:loc><image:caption>How Does Extended Replacement Cost Work (1)</image:caption><image:title>How Does Extended Replacement Cost Work (1)</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Home%20Insurance%20-%20Extended%20Replacement%20Cost.png</image:loc><image:caption>True Texas Home Insurance - Extended Replacement Cost</image:caption><image:title>True Texas Home Insurance - Extended Replacement Cost</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>2024-01-11</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/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/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/Understanding%20Reinsurance.png</image:loc><image:caption>Understanding Reinsurance: The invisible force impacting your insurance premiums.</image:caption><image:title>Understanding Reinsurance</image:title></image:image><lastmod>2023-06-13</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-is-personal-liability-important-if-i-dont-own-much</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Why%20Is%20Personal%20Liability%20Important%20If%20I%20Dont%20Own%20Much.png</image:loc><image:caption>Why Is Personal Liability Important If I Dont Own Much</image:caption><image:title>Why Is Personal Liability Important If I Dont Own Much</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Why%20Higher%20Personal%20Liability%20Limits%20Are%20Important.png</image:loc><image:caption>Why Higher Personal Liability Limits Are Important</image:caption><image:title>Why Higher Personal Liability Limits Are Important</image:title></image:image><lastmod>2019-12-02</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/0e43023d-9168-4bf5-8c03-d9198eae80cf</loc><lastmod>2026-02-20</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/failed-a-church-property-inspection-heres-what-you-need-to-do-next</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 - 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Destruction</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Happy%20couple%20hanging%20picture%20on%20the%20wall%20at%20home.jpeg</image:loc><image:caption>Happy couple hanging picture on the wall at home</image:caption><image:title>Happy couple hanging picture on the wall at home</image:title></image:image><lastmod>2022-01-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/understanding-abuse-and-molestation-coverage-for-texas-daycares</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Safeguarding%20Reputations%20Understanding%20Abuse%20and%20Molestation%20Coverage%20for%20Texas%20Daycares.png</image:loc><image:caption>Safeguarding Reputations: Understanding Abuse and Molestation Coverage for Texas Daycares</image:caption><image:title>Safeguarding Reputations Understanding Abuse and Molestation Coverage for Texas Daycares</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Education%20Insurance%20-%20Daycare%20&amp;%20Preschool%20Programs.png</image:loc><image:caption>True Texas Education Insurance - Daycare &amp; Preschool Programs</image:caption><image:title>True Texas Education Insurance - Daycare &amp; Preschool Programs</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png</image:loc><image:caption>Insurance For Texans Principal Agent Bradley Hancock</image:caption><image:title>Brad Hancock - Headshot-small size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2025-10-27</lastmod></url><url><loc>https://www.insurancefortexans.com/knowledge-base/do-texas-churches-need-cyber-liability-insurance</loc><lastmod>2026-05-18</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-is-an-out-of-pocket-maximum</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/How%20Do%20I%20Decide%20Which%20Health%20Insurance%20Policy%20Is%20Best.png</image:loc><image:caption>How Do I Decide Which Health Insurance Policy Is Best</image:caption><image:title>How Do I Decide Which Health Insurance Policy Is Best</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Is%20There%20A%20Limit%20To%20The%20Amount%20Of%20Co-Insurance%20Due.png</image:loc><image:caption>Is There A Limit To The Amount Of Co-Insurance Due</image:caption><image:title>Is There A Limit To The Amount Of Co-Insurance Due</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20Is%20An%20Out-Of-Pocket%20Maximum.png</image:loc><image:caption>What Is An Out-Of-Pocket Maximum</image:caption><image:title>What Is An Out-Of-Pocket Maximum</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/Which%20One%20Would%20You%20Choose.png</image:loc><image:caption>Which One Would You Choose</image:caption><image:title>Which One Would You Choose</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>2022-01-15</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/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-%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><lastmod>2024-12-09</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/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><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2026-06-29</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/55bd5848-34fd-4a9c-a839-3fc8b4e5e7a8</loc><lastmod>2026-02-12</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-texas-print-shops-can-overcome-equipment-automation-failures</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/How%20Texas%20Print%20Shops%20Can%20Overcome%20Equipment%20Automation%20Failures.png</image:loc><image:caption>How Texas Print Shops Can Overcome Equipment Automation Failures</image:caption><image:title>How Texas Print Shops Can Overcome Equipment Automation Failures</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2023-11-28</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-your-texas-churchs-general-liability-insurance-exclude-firearms</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png</image:loc><image:caption>Insurance For Texans Principal Agent Bradley Hancock</image:caption><image:title>Brad Hancock - 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