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Gambling concept</image:caption><image:title>Close up of businessman throwing dice. Gambling concept</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Health%20Insurance%20-%20Folder%20Register%20Name%20in%20Directory.%20Colored%2c%20Blurred%20Image.%20Closeup%20View.-2.jpeg</image:loc><image:caption>Health Insurance - Folder Register Name in Directory. Colored, Blurred Image. Closeup View.-2</image:caption><image:title>Health Insurance - Folder Register Name in Directory. Colored, Blurred Image. Closeup View.-2</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Keys%20to%20Freedom%20-%20Concept%20on%20Golden%20Keychain%20over%20Black%20Wooden%20Background.%20Closeup%20View%2c%20Selective%20Focus%2c%203D%20Render.%20Toned%20Image..jpeg</image:loc><image:caption>Keys to Freedom - Concept on Golden Keychain over Black Wooden Background. Closeup View, Selective Focus, 3D Render. Toned Image.</image:caption><image:title>Keys to Freedom - Concept on Golden Keychain over Black Wooden Background. Closeup View, Selective Focus, 3D Render. Toned Image.</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Closeup%20portrait%20of%20sad%2c%20worried%2c%20concerned%20woman%2c%20student%2c%20mother%20crossing%20her%20fingers%20hoping%2c%20asking%20for%20best%2c%20isolated%20green%20background.%20Human%20face%20expressions%2c%20emotions%2c%20feeling%2c%20attitude%20reaction.jpeg</image:loc><image:caption>Closeup portrait of sad, worried, concerned woman, student, mother crossing her fingers hoping, asking for best, isolated green background. Human face expressions, emotions, feeling, attitude reaction</image:caption><image:title>Closeup portrait of sad, worried, concerned woman, student, mother crossing her fingers hoping, asking for best, isolated green background. Human face expressions, emotions, feeling, attitude reaction</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>2022-01-15</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/is-life-insurance-the-perfect-valentines-day-gift</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/Is%20Life%20Insurance%20The%20Perfect%20Valentines%20Day%20Gift%3F.png</image:loc><image:caption>Is Life Insurance The Perfect Valentine's Day Gift?</image:caption><image:title>Is Life Insurance The Perfect Valentines Day Gift?</image:title></image:image><lastmod>2024-02-05</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-is-a-business-owners-policy</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/There%20Are%20Many%20Optional%20Coverage%20Types%20On%20A%20BOP.png</image:loc><image:caption>There Are Many Optional Coverage Types On A BOP</image:caption><image:title>There Are Many Optional Coverage Types On A BOP</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/What%20Is%20A%20Business%20Owners%20Policy.png</image:loc><image:caption>What Is A Business Owners Policy</image:caption><image:title>What Is A Business Owners Policy</image:title></image:image><lastmod>2019-08-20</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-texas-church-insurance-have-a-minimum-deductible</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Amanda%20Minter%20-%20Church%20Insurance%20Specialist%20-%20Insurance%20For%20Texans.png</image:loc><image:caption>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:caption><image:title>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Does%20Texas%20Church%20Insurance%20Have%20A%20Minimum%20Deductible.png</image:loc><image:caption>Does Texas Church Insurance Have A Minimum Deductible?</image:caption><image:title>Does Texas Church Insurance Have A Minimum Deductible</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>2026-03-03</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/hail-insurance-for-texas-churches</loc><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><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/Amanda%20Minter%20-%20Church%20Insurance%20Specialist%20-%20Insurance%20For%20Texans.png</image:loc><image:caption>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:caption><image:title>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:title></image:image><lastmod>2025-10-13</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/what-is-functional-replacement-cost-on-historical-homes</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20Is%20Functional%20Replacement%20Cost%20On%20Historical%20Homes.png</image:loc><image:caption>What Is Functional Replacement Cost On Historical Homes?</image:caption><image:title>What Is Functional Replacement Cost On Historical Homes</image:title></image:image><lastmod>2025-02-04</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-texas-home-insurance-cover-termites</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/Termites.jpg</image:loc><image:caption>Termites</image:caption><image:title>Termites</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>2023-10-27</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/Solution%20for%20inflated%20wind%20and%20hail%20deductibles%20in%20TexasYouTube%20thumbnail-1.png</image:loc><image:caption>Solution for inflated wind and hail deductibles in TexasYouTube thumbnail-1</image:caption><image:title>Solution for inflated wind and hail deductibles in TexasYouTube thumbnail-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><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>2026-06-24</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/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><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2023-12-06</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/blog/is-a-larger-deductible-or-a-roof-payment-schedule-better-for-texans</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Hail%20Damage%20in%20Texas%20Is%20a%20Larger%20Deductible%20or%20a%20Roof%20Payment%20Schedule%20Better%20for%20Your%20Wallet%3F.png</image:loc><image:caption>Hail Damage in Texas Is a Larger Deductible or a Roof Payment Schedule Better for Your Wallet?</image:caption><image:title>Hail Damage in Texas Is a Larger Deductible or a Roof Payment Schedule Better for Your Wallet?</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2024-01-29</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/can-my-mortgage-lender-force-me-to-carry-specific-insurance-coverage</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Can%20My%20Mortgage%20Lender%20Force%20Me%20To%20Carry%20Specific%20Insurance%20Coverage.png</image:loc><image:caption>Can My Mortgage Lender Force Me To Carry Specific Insurance Coverage</image:caption><image:title>Can My Mortgage Lender Force Me To Carry Specific Insurance Coverage</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><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><lastmod>2025-06-16</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-credit-score-really-impact-texas-home-insurance-rates</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/Closeup%20businesswoman%20hands%20holding%20white%20card%20sign%20with%20credit%20score%20text%20message%20isolated%20on%20grey%20wall%20office%20background.%20Retro%20instagram%20style%20image.jpeg</image:loc><image:caption>Closeup businesswoman hands holding white card sign with credit score text message isolated on grey wall office background. Retro instagram style image</image:caption><image:title>Closeup businesswoman hands holding white card sign with credit score text message isolated on grey wall office background. 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Kevin Hall</image:caption><image:title>Kevin Hall - Headshot-smaller size</image:title></image:image><lastmod>2026-02-27</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/faith-under-fire-navigating-employment-lawsuits-in-texas-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/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/Faith%20Under%20Fire%20Navigating%20Employment%20Lawsuits%20in%20Texas%20Churches.png</image:loc><image:caption>Faith Under Fire: Navigating Employment Lawsuits in Texas Churches</image:caption><image:title>Faith Under Fire Navigating Employment Lawsuits in Texas Churches</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>2025-12-11</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/3aa7873d-364f-40a3-970d-679c3206672e</loc><lastmod>2026-02-27</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/96c23af9-3e78-4300-9919-8b8e5015bdad</loc><lastmod>2026-02-13</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-my-dental-practice-need-cyber-liability-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Does%20My%20Dental%20Practice%20Need%20Cyber%20Liability%20Insurance-1.png</image:loc><image:caption>Does My Dental Practice Need Cyber Liability Insurance-1</image:caption><image:title>Does My Dental Practice Need Cyber Liability Insurance-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/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/Purchasing%20A%20Cyber%20Policy-1.png</image:loc><image:caption>Purchasing A Cyber Policy-1</image:caption><image:title>Purchasing A Cyber Policy-1</image:title></image:image><lastmod>2022-12-17</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/texas-home-insurance-tip-service-line-coverage</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/custom-video-thumbnails/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/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>2019-06-18</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-is-tenants-improvements-betterments-coverage</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/Tenants%20Improvements%20and%20Betterments-1.png</image:loc><image:caption>Tenants Improvements and Betterments-1</image:caption><image:title>Tenants Improvements and Betterments-1</image:title></image:image><lastmod>2023-06-06</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-is-the-health-marketplace</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Health%20Marketplace%20Enrollment%20Periods.png</image:loc><image:caption>When are health marketplace enrollment periods?</image:caption><image:title>Health Marketplace Enrollment Periods</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/What%20Is%20The%20Health%20Marketplace%3F.png</image:loc><image:caption>What Is The Health Marketplace and how do I access it?</image:caption><image:title>What Is The Health Marketplace?</image:title></image:image><lastmod>2023-06-28</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/pastoral-guidance-legal-guard-ensuring-your-church-is-covered</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/Pastoral%20Guidance%2c%20Legal%20Guard%20Ensuring%20Your%20Church%20Is%20Covered.png</image:loc><image:caption>Pastoral Guidance, Legal Guard: Ensuring Your Church Is Covered</image:caption><image:title>Pastoral Guidance, Legal Guard Ensuring Your Church Is Covered</image:title></image:image><lastmod>2025-10-07</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-texas-home-insurance-cover-termites-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/Termites.jpg</image:loc><image:caption>Termites</image:caption><image:title>Termites</image:title></image:image><lastmod>2020-05-24</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/building-ordinance-coverage-0</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Red%20Ring%20Binder%20with%20inscription%20Permits%20on%20Background%20of%20Working%20Table%20with%20Office%20Supplies%2c%20Laptop%2c%20Reports.%20Toned%20Illustration.%20Business%20Concept%20on%20Blurred%20Background..jpeg</image:loc><image:caption>Red Ring Binder with inscription Permits on Background of Working Table with Office Supplies, Laptop, Reports. Toned Illustration. Business Concept on Blurred Background.</image:caption><image:title>Red Ring Binder with inscription Permits on Background of Working Table with Office Supplies, Laptop, Reports. Toned Illustration. Business Concept on Blurred 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/Stock%20images/Big%20fire.jpeg</image:loc><image:caption>Big fire</image:caption><image:title>Big fire</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Repairman%20checking%20a%20voltage%20and%20fixing%20a%20switchboard.jpeg</image:loc><image:caption>Repairman checking a voltage and fixing a switchboard</image:caption><image:title>Repairman checking a voltage and fixing a switchboard</image:title></image:image><lastmod>2020-04-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-does-a-claim-for-personal-property-work-for-home-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/custom-video-thumbnails/How%20Does%20A%20Claim%20For%20Personal%20Property%20Work%20For%20Home%20Insurance-thumb.jpeg</image:loc><image:caption>How Does A Claim For Personal Property Work For Home Insurance-thumb</image:caption><image:title>How Does A Claim For Personal Property Work For Home Insurance-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><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>2019-07-08</lastmod></url><url><loc>https://www.insurancefortexans.com/knowledge-base/what-is-liability-insurance</loc><lastmod>2026-04-07</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/common-discounts-on-north-texas-home-insuance</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/IFT%20Team%20Photo.jpg</image:loc><image:caption>IFT Team Photo</image:caption><image:title>IFT Team Photo</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Stack%20of%20coupons.jpeg</image:loc><image:caption>Stack of coupons</image:caption><image:title>Stack of coupons</image:title></image:image><lastmod>2019-03-29</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/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><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>2026-06-18</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-do-private-health-plans-keep-premiums-lower</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/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/Private%20Health%20Insurance%20vs%20Health%20Insurance%20Exchange.png</image:loc><image:caption>Private Health Insurance vs Health Insurance Exchange</image:caption><image:title>Private Health Insurance vs Health Insurance Exchange</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/How%20Do%20Private%20Health%20Plans%20Keep%20Premiums%20Lower.png</image:loc><image:caption>How Do Private Health Plans Keep Premiums Lower?</image:caption><image:title>How Do Private Health Plans Keep Premiums Lower</image:title></image:image><lastmod>2023-08-22</lastmod></url><url><loc>https://www.insurancefortexans.com/knowledge-base/what-is-a-business-owners-policy</loc><lastmod>2026-04-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-my-texas-church-insurance-coverage-the-parsonage</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Amanda%20Minter%20-%20Church%20Insurance%20Specialist%20-%20Insurance%20For%20Texans.png</image:loc><image:caption>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:caption><image:title>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/True%20Texas%20Church%20Insurance.png</image:loc><image:caption>True Texas Church Insurance</image:caption><image:title>True Texas Church Insurance</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Does%20My%20Texas%20Church%20Insurance%20Coverage%20The%20Parsonage.png</image:loc><image:caption>Does My Texas Church Insurance Coverage The Parsonage?</image:caption><image:title>Does My Texas Church Insurance Coverage The Parsonage</image:title></image:image><lastmod>2026-02-26</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/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><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>2019-04-05</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/fa5479e6-2bb3-4505-b69c-f80c785f17c9</loc><lastmod>2026-02-12</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/11afc5d5-4e3e-4f75-8709-105dcda934f8</loc><lastmod>2026-02-20</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/essential-insurance-coverage-for-your-texas-daycare</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/Securing%20essential%20coverage%20for%20your%20texas%20daycare.png</image:loc><image:caption>Securing essential coverage for your texas daycare</image:caption><image:title>Securing essential coverage for your texas daycare</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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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/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><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/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><lastmod>2024-08-01</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/cheap-grapevine-home-insurance-0</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Shopping%20woman%20saving%20money%20in%20a%20piggy%20bank.jpeg</image:loc><image:caption>Shopping woman saving money in a piggy bank</image:caption><image:title>Shopping woman saving money in a piggy bank</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/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..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.</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.</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Closeup%20portrait%20of%20greedy%20man%20corporate%20employee%2c%20worker%2c%20student%20holding%20dollar%20banknotes%20tightly%2c%20isolated%20on%20white%20background.%20Negative%20human%20emotion%20facial%20expression%20feeling.jpeg</image:loc><image:caption>Closeup portrait of greedy man corporate employee, worker, student holding dollar banknotes tightly, isolated on white background. Negative human emotion facial expression feeling</image:caption><image:title>Closeup portrait of greedy man corporate employee, worker, student holding dollar banknotes tightly, isolated on white background. Negative human emotion facial expression feeling</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Closeup%20portrait%20super%20happy%20excited%20successful%20young%20business%20woman%20holding%20money%20dollar%20bills%20in%20hand%20isolated%20grey%20wall%20background.%20Positive%20emotion%20facial%20expression%20feeling.%20Financial%20reward.jpeg</image:loc><image:caption>Closeup portrait super happy excited successful young business woman holding money dollar bills in hand isolated grey wall background. Positive emotion facial expression feeling. Financial reward</image:caption><image:title>Closeup portrait super happy excited successful young business woman holding money dollar bills in hand isolated grey wall background. Positive emotion facial expression feeling. Financial reward</image:title></image:image><lastmod>2020-04-18</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-is-life-insurance-important</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Newly-Wed-Mom-Dad.jpg</image:loc><image:caption>Newlywed Rick &amp;amp; Carol Wadley</image:caption><image:title>Newly-Wed-Mom-Dad</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2022-01-14</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/my-tree-fell-on-my-neighbors-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/Life%20Insurance%20For%20Texans-1.png</image:loc><image:caption>Life Insurance For Texans-1</image:caption><image:title>Life Insurance For Texans-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2020-08-27</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/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Life-Moves-Pretty-Fast-Ferris-Bueller.jpg</image:loc><image:caption>Life moves pretty fast, if you don't stop and look around once in a while, you could miss it. - Ferris Bueller</image:caption><image:title>Life-Moves-Pretty-Fast-Ferris-Bueller</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Newly-Wed-Mom-Dad.jpg</image:loc><image:caption>Newlywed Rick &amp;amp; Carol Wadley</image:caption><image:title>Newly-Wed-Mom-Dad</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2026-05-17</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/44e325cf-e4d2-447c-8dc1-ded0f9450be3</loc><lastmod>2025-12-10</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-does-texas-church-insurance-look-like-in-2025</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20Does%20Texas%20Church%20Insurance%20Look%20Like%20In%202025.png</image:loc><image:caption>What Does Texas Church Insurance Look Like In 2025?</image:caption><image:title>What Does Texas Church Insurance Look Like In 2025</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/Amanda%20Minter%20-%20Church%20Insurance%20Specialist%20-%20Insurance%20For%20Texans.png</image:loc><image:caption>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:caption><image:title>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2024-12-27</lastmod></url><url><loc>https://www.insurancefortexans.com/knowledge-base/what-is-an-hmo-health-plan</loc><lastmod>2026-04-22</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/who-needs-cyber-liability-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20Is%20A%20Cyber%20Incident.png</image:loc><image:caption>What Is A Cyber Incident?</image:caption><image:title>What Is A Cyber Incident</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/Who%20Needs%20Cyber%20Liability%20Insurance.png</image:loc><image:caption>Who Needs Cyber Liability Insurance?</image:caption><image:title>Who Needs Cyber Liability Insurance</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Purchasing%20Cyber%20Liability%20Coverage.png</image:loc><image:caption>Purchasing Cyber Liability Coverage</image:caption><image:title>Purchasing Cyber Liability Coverage</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png</image:loc><image:caption>Insurance For Texans Principal Agent Bradley Hancock</image:caption><image:title>Brad Hancock - Headshot-small size</image:title></image:image><lastmod>2022-12-20</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/can-my-insurance-company-require-me-to-bundle-my-home-and-auto</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/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/Can%20My%20Insurance%20Company%20Require%20Me%20To%20Bundle%20My%20Home%20And%20Auto.png</image:loc><image:caption>Can My Insurance Company Require Me To Bundle My Home And Auto</image:caption><image:title>Can My Insurance Company Require Me To Bundle My Home And Auto</image:title></image:image><lastmod>2024-04-02</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/when-is-it-best-to-not-use-prescription-drug-coverage</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/When%20Is%20It%20Best%20To%20Not%20Use%20Prescription%20Drug%20Coverage%3F.png</image:loc><image:caption>When Is It Best To Not Use Prescription Drug Coverage?</image:caption><image:title>When Is It Best To Not Use Prescription Drug Coverage?</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20Is%20Prescription%20Drug%20Coverage%3F.png</image:loc><image:caption>What Is Prescription Drug Coverage?</image:caption><image:title>What Is Prescription Drug Coverage?</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/When%20Is%20It%20Best%20To%20Not%20use%20Prescription%20Coverage%3F.png</image:loc><image:caption>When Is It Best To Not use Prescription Coverage?</image:caption><image:title>When Is It Best To Not use Prescription Coverage?</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><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>2023-07-07</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/will-your-texas-church-security-plan-fail-after-the-threat-ends</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Will%20Your%20Texas%20Church%20Security%20Plan%20Fail%20After%20the%20Threat%20Ends.png</image:loc><image:caption>Will Your Texas Church Security Plan Fail After the Threat Ends</image:caption><image:title>Will Your Texas Church Security Plan Fail After the Threat Ends</image:title></image:image><lastmod>2026-05-29</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-is-coinsurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20Is%20Coinsurance_.png</image:loc><image:caption>What Is Coinsurance_</image:caption><image:title>What Is Coinsurance_</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Copay%20vs%20Deductible%20vs%20Coinsurance.png</image:loc><image:caption>Copay vs Deductible vs Coinsurance</image:caption><image:title>Copay vs Deductible vs Coinsurance</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/A%20Coinsurance%20Cast%20Study.png</image:loc><image:caption>A Coinsurance Cast Study</image:caption><image:title>A Coinsurance Cast Study</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/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>2022-01-15</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-is-an-accident-policy</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/How%20Does%20An%20Accident%20Policy%20Pay.png</image:loc><image:caption>How Does An Accident Policy Pay</image:caption><image:title>How Does An Accident Policy Pay</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20Is%20An%20Accident%20Policy.png</image:loc><image:caption>What Is An Accident Policy</image:caption><image:title>What Is An Accident Policy</image:title></image:image><lastmod>2022-01-15</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-cant-i-get-my-money-back-on-my-grapevine-home-insurance-if-i-havent-filed-a-claim-in-years</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/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/Claims%20Free%20Discounts%20Are%20Real.png</image:loc><image:caption>Claims Free Discounts Are Real</image:caption><image:title>Claims Free Discounts Are Real</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2024-01-22</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-does-home-insurance-work-after-a-fire</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Colleyville%20Village%20Fire%20Total%20Destruction.jpg</image:loc><image:caption>Colleyville Village Fire Total Destruction</image:caption><image:title>Colleyville Village Fire Total Destruction</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/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/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-reinsurance-the-invisible-force-impacting-your-insurance-premiums</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Reinsurance%20rating%20Factors.png</image:loc><image:caption>Here is our list of reinsurance rating factors</image:caption><image:title>Reinsurance rating Factors</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Understanding%20Reinsurance.png</image:loc><image:caption>Understanding Reinsurance: The invisible force impacting your insurance premiums.</image:caption><image:title>Understanding 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Education value</image:caption><image:title>Closeup portrait of young smiling student man holding books in one hand and wallet in the other, looking happy, while receiving money for college tuition, isolated on white background. Education value</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/The%20word%20kindness%20written%20on%20big%20blackboard.jpeg</image:loc><image:caption>The word kindness written on big blackboard</image:caption><image:title>The word kindness written on big blackboard</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2020-04-27</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/2478e19b-88ad-4bd0-9355-b1367a4e906f</loc><lastmod>2026-02-12</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-cyber-insurance-cover-low-tech-threats</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/Low%20Tech%20Cyber%20Threats.png</image:loc><image:caption>Low Tech Cyber Threats Can Be Covered at Insurance For Texans</image:caption><image:title>Low Tech Cyber Threats</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>2024-06-13</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-can-the-death-of-mr.-peanut-teach-us-about-life-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/mrpeanutrip.png</image:loc><image:caption>mrpeanutrip</image:caption><image:title>mrpeanutrip</image:title></image:image><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-business-interruption-insurance-keeps-texas-businesses-thriving</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/How%20Business%20Interruption%20Insurance%20Keeps%20Texas%20Businesses%20Thriving.png</image:loc><image:caption>How Business Interruption Insurance Keeps Texas Businesses Thriving</image:caption><image:title>How Business Interruption Insurance Keeps Texas Businesses Thriving</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png</image:loc><image:caption>Insurance For Texans Principal Agent Bradley Hancock</image:caption><image:title>Brad Hancock - Headshot-small size</image:title></image:image><lastmod>2023-12-28</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-is-an-umbrella-policy-and-do-grapevine-homeowners-need-it</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/How%20Do%20I%20Obtain%20An%20Umbrella%20Policy.png</image:loc><image:caption>How Do I Obtain An Umbrella Policy</image:caption><image:title>How Do I Obtain An Umbrella Policy</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20Is%20An%20Umbrella%20Policy%20And%20Do%20I%20Need%20It.png</image:loc><image:caption>What Is An Umbrella Policy And Do I Need It</image:caption><image:title>What Is An Umbrella Policy And Do I Need It</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Should%20I%20Get%20An%20Umbrella%20Policy.png</image:loc><image:caption>Should I Get An Umbrella Policy</image:caption><image:title>Should I Get An Umbrella Policy</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>2024-01-15</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-small-texas-businesses-need-cyber-insurance-more-than-ever</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%20Texas%20Small%20Businesses%20Need%20Cyber%20Insurance%20More%20Than%20Ever.png</image:loc><image:caption>Why Texas Small Businesses Need Cyber Insurance More Than Ever!</image:caption><image:title>Why Texas Small Businesses Need Cyber Insurance More Than Ever</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2025-06-24</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-a-standalone-hail-policy-helps-offset-roof-payment-schedules</loc><video:video><video:thumbnail_loc>https://2659071.fs1.hubspotusercontent-na2.net/hubfs/2659071/how-a-standalone-hail-policy-helps-offset-roof-payment-schedules.mp4/medium.jpg</video:thumbnail_loc><video:title>How a Standalone Hail Policy Helps Offset Roof Payment Schedules</video:title><video:description>Older Roofs in Texas? 

Avoid Actual Cash Value Surprises with a Standalone Hail Policy

Ron from Insurance for Texans explains that many Texas homeowners with older roofs may not be covered as expected because insurers are shifting roof coverage from replacement cost to actual cash value. They are doing this by using roof payment schedules.</video:description><video:content_loc>https://www.insurancefortexans.com/hubfs/how-a-standalone-hail-policy-helps-offset-roof-payment-schedules.mp4</video:content_loc><video:duration>253</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>HailDamageCoverage</video:tag><video:tag>OlderRoofInsurance</video:tag><video:tag>StandaloneHailPolicy</video:tag><video:tag>TexasHomeInsurance</video:tag><video:tag>RoofReplacement</video:tag></video:video><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Covering%20an%20Older%20Roof%20in%20Texas%20YouTube%20thumbnail-1.png</image:loc><image:caption>Covering an Older Roof in Texas YouTube thumbnail-1</image:caption><image:title>Covering an Older Roof in Texas YouTube thumbnail-1</image:title></image:image><lastmod>2026-06-16</lastmod></url><url><loc>https://www.insurancefortexans.com/knowledge-base/how-does-home-insurance-handle-your-collections</loc><lastmod>2026-04-27</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/securing-your-church-event-with-the-right-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Fellowship%20&amp;%20Festivity%20Securing%20Your%20Church%20Event%20with%20the%20Right%20Insurance.png</image:loc><image:caption>Fellowship &amp; Festivity: Securing Your Church Event with the Right Insurance</image:caption><image:title>Fellowship &amp; Festivity Securing Your Church Event with the Right 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%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/Kevin%20Hall%20-%20Headshot-smaller%20size.png</image:loc><image:caption>Insurance For Texans Life &amp; Health Insurance Specialist - 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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/Is%20it%20Worth%20The%20Risk%20to%20Skip%20Health%20Insurance.png</image:loc><image:caption>Is it Worth The Risk to Skip Health Insurance</image:caption><image:title>Is it Worth The Risk to Skip Health Insurance</image:title></image:image><lastmod>2026-07-09</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/fires-are-horrific</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Colleyville%20Village%20Fire%20Total%20Destruction.jpg</image:loc><image:caption>Colleyville Village Fire Total Destruction</image:caption><image:title>Colleyville Village Fire Total Destruction</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Colleyville%20Village%20Fire%20Police%20Officer%20admist%20smoke.jpg</image:loc><image:caption>Colleyville Village Fire Police Officer admist smoke</image:caption><image:title>Colleyville Village Fire Police Officer admist smoke</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2019-05-23</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/d3689491-6229-49a4-9a7c-bbad19f973c9</loc><lastmod>2026-06-19</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/1096a563-dce8-469b-a619-791bd0ce388a</loc><lastmod>2025-12-10</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-my-business-insurance-cover-my-inventory</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Does%20My%20Business%20Insurance%20Cover%20My%20Inventory.png</image:loc><image:caption>Does My Business Insurance Cover My Inventory?</image:caption><image:title>Does My Business Insurance Cover My Inventory</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>2023-09-18</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-was-i-denied-home-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/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/Woman%20with%20her%20hand%20extended%20signaling%20to%20stop%20(only%20her%20hand%20is%20in%20focus)-1.jpeg</image:loc><image:caption>Woman with her hand extended signaling to stop (only her hand is in focus)-1</image:caption><image:title>Woman with her hand extended signaling to stop (only her hand is in focus)-1</image:title></image:image><lastmod>2022-01-13</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/faithful-stewardship-understands-how-to-insure-a-texas-church</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/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%2026%20Podcast%20Blog%20Image.png</image:loc><image:caption>Week 26 Podcast Blog Image</image:caption><image:title>Week 26 Podcast Blog Image</image:title></image:image><lastmod>2026-03-30</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/how-standalone-hail-policies-work-for-texas-homeowners</loc><video:video><video:thumbnail_loc>https://2659071.fs1.hubspotusercontent-na2.net/hubfs/2659071/how-standalone-hail-policies-work-for-texas-homeowners.mp4/medium.jpg</video:thumbnail_loc><video:title>How Standalone Hail Policies Work for Texas Homeowners</video:title><video:description>Texas Homeowners: How Standalone Hail &amp;amp; Wind Policies Work 

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

When both align, the policy pays an agreed cash amount in 10–14 days. This cash can be used to offset a deductible, cover an actual cash value provision, or replace a roof up to $25,000.</video:description><video:content_loc>https://www.insurancefortexans.com/hubfs/how-standalone-hail-policies-work-for-texas-homeowners.mp4</video:content_loc><video:duration>175</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>HailDamageCoverage</video:tag><video:tag>WindAndHailProtection</video:tag><video:tag>StandaloneHailPolicy</video:tag><video:tag>TexasHomeInsurance</video:tag><video:tag>RoofReplacementInsurance</video:tag></video:video><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/How%20Standalone%20Hail%20Policies%20Work%20in%20Texas%20%20YouTube%20thumbnail-1.png</image:loc><image:caption>How Standalone Hail Policies Work in Texas  YouTube thumbnail-1</image:caption><image:title>How Standalone Hail Policies Work in Texas  YouTube thumbnail-1</image:title></image:image><lastmod>2026-06-29</lastmod></url><url><loc>https://www.insurancefortexans.com/ift-team</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/20190107-DSCF7782-Edit.jpg</image:loc><image:caption>20190107-DSCF7782-Edit</image:caption><image:title>20190107-DSCF7782-Edit</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/20190107-DSCF7771.jpg</image:loc><image:caption>20190107-DSCF7771</image:caption><image:title>20190107-DSCF7771</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/Insurance%20For%20Texans%20-%20Get%20A%20Quote.png</image:loc><image:caption>Insurance For Texans - Get A Quote</image:caption><image:title>Insurance For Texans - Get A Quote</image:title></image:image><lastmod>2021-11-06</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/three-things-texas-homeowners-need-to-know-before-hail-season-starts</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/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/Three%20Things%20Texas%20Homeowners%20Need%20To%20Know%20Before%20Hail%20Season%20Starts.png</image:loc><image:caption>Three Things Texas Homeowners Need To Know Before Hail Season Starts</image:caption><image:title>Three Things Texas Homeowners Need To Know Before Hail Season Starts</image:title></image:image><lastmod>2025-02-27</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/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><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2019-06-25</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/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%20to%20find%20peace%20of%20mind%20for%20wind%20and%20hail%20in%20Texas%20YouTube%20thumbnail-1.png</image:loc><image:caption>How to find peace of mind for wind and hail in Texas YouTube thumbnail-1</image:caption><image:title>How to find peace of mind for wind and hail in Texas YouTube thumbnail-1</image:title></image:image><lastmod>2026-06-26</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/did-a-sublimit-reduce-your-churchs-claim-payout</loc><lastmod>2025-11-18</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/do-you-have-gaps-in-your-protection</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Do%20You%20Have%20Gaps%20In%20Your%20Protection.png</image:loc><image:caption>Do You Have Gaps In Your Protection</image:caption><image:title>Do You Have Gaps In Your Protection</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20Can%20You%20Do%20To%20Protect%20Your%20Family.png</image:loc><image:caption>What Can You Do To Protect Your Family</image:caption><image:title>What Can You Do To Protect Your Family</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2022-01-15</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-is-at-risk-with-an-inexperienced-church-insurance-agent</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/What%20Is%20At%20Risk%20With%20An%20Inexperienced%20Church%20Insurance%20Agent%3F.png</image:loc><image:caption>What Is At Risk With An Inexperienced Church Insurance Agent?</image:caption><image:title>What Is At Risk With An Inexperienced Church Insurance Agent?</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png</image:loc><image:caption>Insurance For Texans Principal Agent Bradley Hancock</image:caption><image:title>Brad Hancock - Headshot-small size</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/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>2026-01-28</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/479200dc-9557-4846-9acb-b562ada58280</loc><lastmod>2026-02-12</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/fall-home-maintenance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><lastmod>2022-01-13</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/underwritten-vs.-guaranteed-issue-plans</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/istockphoto-1371002052-612x612.jpg</image:loc><image:caption>istockphoto-1371002052-612x612</image:caption><image:title>istockphoto-1371002052-612x612</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><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/does-home-insurance-cover-earthquakes-0</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/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><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. 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skinny</image:caption><image:title>InsuranceForTexans Logo skinny</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/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/True%20Texas%20Education%20Insurance.png</image:loc><image:caption>True Texas Education Insurance</image:caption><image:title>True Texas Education Insurance</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Cyber%20Coverage.png</image:loc><image:caption>Texas Cyber Insurance Coverage</image:caption><image:title>Cyber 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dimension</image:title></image:image><lastmod>2026-04-06</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/will-life-insurance-pay-for-my-childs-college-education</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Business%20man%20pulling%20a%20big%20green%20dollar%20sign%20concept%20on%20background.jpeg</image:loc><image:caption>Business man pulling a big green dollar sign concept on background</image:caption><image:title>Business man pulling a big green dollar sign concept on background</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Close-up%20of%20a%20smiling%20graduate%20smiling%20with%20her%20friends%20in%20background%20in%20front%20of%20the%20university.jpeg</image:loc><image:caption>Close-up of a smiling graduate smiling with her friends in background in front of the university</image:caption><image:title>Close-up of a smiling graduate smiling with her friends in background in front of the university</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>2019-10-12</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/1974daf7-587e-47cd-9c64-a764735e2040</loc><lastmod>2026-03-04</lastmod></url><url><loc>https://www.insurancefortexans.com/about</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley%20(2).png</image:loc><image:caption>Ron Wadley (2)</image:caption><image:title>Ron Wadley 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covered.</image:caption><image:title>TRUE Texas Insurance - Areas of Expertise</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/InsuranceForTexans_Logo_300.jpg</image:loc><image:caption>InsuranceForTexans_Logo_300</image:caption><image:title>InsuranceForTexans_Logo_300</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance%20For%20Texans%20Sales%20Team.png</image:loc><image:caption>Insurance For Texans Sales Team</image:caption><image:title>Insurance For Texans Sales Team</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Kevin%20Hall%20-%20Headshot.png</image:loc><image:caption> Life &amp; Health Insurance Agent Kevin Hall</image:caption><image:title>Kevin Hall - 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Time, punctuality, busy schedule concept</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Nerdy%20scholastic%20young%20woman%20wearing%20geeky%20glasses%20standing%20thinking%20with%20her%20finger%20raised%20and%20a%20grimace%20of%20concentration%20in%20a%20humorous%20stereotypical%20depiction%2c%20over%20a%20dark%20background%20with%20copyspace.jpeg</image:loc><image:caption>Nerdy scholastic young woman wearing geeky glasses standing thinking with her finger raised and a grimace of concentration in a humorous stereotypical depiction, over a dark background with copyspace</image:caption><image:title>Nerdy scholastic young woman wearing geeky glasses standing thinking with her finger raised and a grimace of concentration in a humorous stereotypical depiction, over a dark background with copyspace</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2019-03-18</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/happy-thanksgiving-from-insurance-for-texans</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-1279841469-612x612.jpg</image:loc><image:caption>istockphoto-1279841469-612x612</image:caption><image:title>istockphoto-1279841469-612x612</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>2022-11-24</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/d1077e58-e95e-4a2d-8a3b-d655acc48087</loc><lastmod>2026-02-12</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/what-are-common-landlord-insurance-mistakes</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/3D%20conceptual%20image%20of%20a%20house%20mortgage%20with%20a%20piggybank.jpeg</image:loc><image:caption>3D conceptual image of a house mortgage with a piggybank</image:caption><image:title>3D conceptual image of a house mortgage with a piggybank</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><lastmod>2021-02-22</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/stop-guessing-texas-daycare-health-solutions-that-actually-work</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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Church Insurance Specialist - Insurance For Texans</image:caption><image:title>Amanda Minter - Church Insurance Specialist - Insurance For Texans</image:title></image:image><lastmod>2026-04-01</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/top-3-mistakes-homeowners-make-with-their-insurance</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Top%203%20Mistakes%20Homeowners%20Make%20With%20Their%20Insurance.png</image:loc><image:caption>Top 3 Mistakes Homeowners Make With Their Insurance</image:caption><image:title>Top 3 Mistakes Homeowners Make With Their Insurance</image:title></image:image><lastmod>2024-01-02</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/does-a-security-system-lower-home-insurance-costs-0</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Extinguisher%20against%20white%20background.jpeg</image:loc><image:caption>Extinguisher against white background</image:caption><image:title>Extinguisher against 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/Stock%20images/pressing%20the%20code%20on%20a%20house%20alarm.jpeg</image:loc><image:caption>pressing the code on a house alarm</image:caption><image:title>pressing the code on a house alarm</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>2020-05-19</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/97c7e68b-d60e-40a0-92ae-3d61f694427b</loc><lastmod>2026-02-12</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-credit-score-really-impact-grapevine-home-insurance-rates</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png</image:loc><image:caption>Insurance For Texans Principal Agent Ron Wadley</image:caption><image:title>Ron Wadley-small dimension</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Stock%20images/Closeup%20businesswoman%20hands%20holding%20white%20card%20sign%20with%20credit%20score%20text%20message%20isolated%20on%20grey%20wall%20office%20background.%20Retro%20instagram%20style%20image.jpeg</image:loc><image:caption>Closeup businesswoman hands holding white card sign with credit score text message isolated on grey wall office background. Retro instagram style image</image:caption><image:title>Closeup businesswoman hands holding white card sign with credit score text message isolated on grey wall office background. Retro instagram style image</image:title></image:image><lastmod>2024-01-26</lastmod></url><url><loc>https://www.insurancefortexans.com/4db1d759-a924-42db-9d81-fdb3f2c80c1f/e5cba2fe-4165-460c-b6ff-85bff4c4e414</loc><lastmod>2026-02-13</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/which-permanent-life-insurance-policy-is-right-for-me</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Which%20Permanent%20Life%20Insurance%20Policy%20Is%20Right%20For%20Me.png</image:loc><image:caption>Which Permanent Life Insurance Policy Is Right For Me</image:caption><image:title>Which Permanent Life Insurance Policy Is Right For Me</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Whole%20Life%20Can%20Make%20Sense.png</image:loc><image:caption>Whole Life Can Make Sense</image:caption><image:title>Whole Life Can Make Sense</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/Multiple%20Kinds%20of%20Universal%20Life%20Insurance%20Policies.png</image:loc><image:caption>Multiple Kinds of Universal Life Insurance Policies</image:caption><image:title>Multiple Kinds of Universal Life Insurance Policies</image:title></image:image><lastmod>2024-01-03</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/does-homeowners-insurance-cover-home-business-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/Does%20Homeowners%20Insurance%20Cover%20Home%20Business.png</image:loc><image:caption>Does Homeowners Insurance Cover Home Business</image:caption><image:title>Does Homeowners Insurance Cover Home Business</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png</image:loc><image:caption>IFTWebHeader-1-1</image:caption><image:title>IFTWebHeader-1-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Do%20You%20Need%20A%20Home%20Insurance%20Endorsement%20Or%20A%20Stand%20Alone%20Policy.png</image:loc><image:caption>Do You Need A Home Insurance Endorsement Or A Stand Alone Policy</image:caption><image:title>Do You Need A Home Insurance Endorsement Or A Stand Alone Policy</image:title></image:image><lastmod>2020-10-21</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/texas-hail-insurance-how-standalone-policies-help-offset-rising-costs</loc><video:video><video:thumbnail_loc>https://2659071.fs1.hubspotusercontent-na2.net/hubfs/2659071/texas-hail-insurance-how-standalone-policies-help-offset-rising-costs.mp4/medium.jpg</video:thumbnail_loc><video:title>Texas Hail Insurance: How Standalone Policies Help Offset Rising Costs</video:title><video:description>How a Standalone Hail Policy Can Protect You After Storm Season

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

He says many Texans believe they have coverage that they don’t, and suggests considering a standalone hail policy to provide protection that works for the homeowner. Ron notes these policies can help cover deductibles, offset actual cash value provisions, and even enable roof replacement without involving the home insurance company. They also offer cash in your pocket within 10–14 days to pay a roofer.</video:description><video:content_loc>https://www.insurancefortexans.com/hubfs/texas-hail-insurance-how-standalone-policies-help-offset-rising-costs.mp4</video:content_loc><video:duration>150</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>SpringStormSeason</video:tag><video:tag>TexasHailInsurance</video:tag><video:tag>HailClaimsCoverage</video:tag><video:tag>StandaloneHailPolicy</video:tag><video:tag>RoofReplacement</video:tag></video:video><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Are%20you%20worried%20about%20how%20you%20would%20pay%20for%20a%20hail%20claim%20YouTube%20thumbnail-1.png</image:loc><image:caption>Are you worried about how you would pay for a hail claim YouTube thumbnail-1</image:caption><image:title>Are you worried about how you would pay for a hail claim YouTube thumbnail-1</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/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>2026-06-22</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/is-your-texas-church-insurance-coverage-being-quietly-eroded</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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dimension</image:title></image:image><lastmod>2023-12-20</lastmod></url><url><loc>https://www.insurancefortexans.com/blog/why-does-my-business-need-hail-coverage-if-i-rent-my-space</loc><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Does%20My%20Business%20Owners%20Policy%20Cover%20Hail%20If%20I%20Rent%20My%20Space%3F.png</image:loc><image:caption>Does My Business Owners Policy Cover Hail If I Rent My Space?</image:caption><image:title>Does My Business Owners Policy Cover Hail If I Rent My Space?</image:title></image:image><image:image><image:loc>https://www.insurancefortexans.com/hubfs/Brad%20Hancock%20-%20Headshot-small%20size.png</image:loc><image:caption>Insurance For Texans Principal Agent Bradley Hancock</image:caption><image:title>Brad Hancock - Headshot-small 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