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TRUE Texas Hail Coverage For Families

TRUE Texas Hail Coverage For Families

My family has grown up under the vast Texas sky, witnessing thunderstorms, hurricanes, and a parade of meteorological wonders. And if your Texas family is like mine, when the weather sirens go off my wife, kids, and dogs go to the safe spot of the house and I go out on the front porch to see what is going on outside. Yes, my wife tells me and I'm crazy. And she is right most of the time. But I just can't help myself.  It's like Mother Nature shares my famed independent spirit.

But as much as I may love watching weather move through, this relentless display of nature's fury means something else for a lot of Texas families: a constant battle with rising insurance costs. Over the past decade, as the skies have turned wilder, insurance premiums have soared, and coverage options have dwindled. This trend is troubling, not just for your family's budget but for your peace of mind.

Recognizing the turmoil in the insurance market, Insurance For Texans is stepping up to guide Texas families through these stormy times. We understand the confusion and frustration you face when trying to make sense of how weather impacts your insurance coverage. Our mission is to offer clear, practical solutions to the hail related challenges you encounter with insurance. Below, you'll find an overview of some of the most pressing issues Texas families face regarding weather-related insurance concerns. We're here to ensure you have the information and support you need to protect what matters most.

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Worried that your roof won't be replaced?

So let's cut to the chase on this. The single biggest threat to your bank account on a homeowners hail claim in Texas is a phrase called Roof Payment Schedule. This has been pushed by home insurance companies looking to save on claim payments and insurance agents trying to sell a policy at a cheaper price. Don't get bent over with actual cash value on your roof!

Learn how Roof Payment Schedule means Actual Cash Value.

Waiting on filing a hail claim? Beware!

It's a given that we have multiple hail storms per storm season. Every Texan understands if they've lived here for at least six months. So the question then becomes, when should I file the claim and replace the roof so that I don't have multiple deductibles to pay? We have some insight on this exact question that can save your bacon later.

We spell out your timeline to take action on your hail claim..

Has your hail deductible been raised?

The insurance companies have lost their minds and are making drastic changes to policies. One of those changes is raising minimum hail deductibles on Texas home insurance policies. What was a flat $1,000 deductible fifteen years ago became a 1% deductible through the last decade. Now they are inching up again and many homeowners are unaware!

Learn if a 3% hail deductible is bad for you here. 

When do you pay the deductible amount?

When the state legislature changed the law a few years ago requiring people to pay their deductibles, it changed the landscape for contractors. We understand that some shady roofing contractors are still not following this law, the change has raised questions from homeowners about when they will be expected to pay this amount. Guess what! We have those answers.

Learn more about deductibles and how they are handled here..

Want More Stories About Hail Coverage For Families?

You have some highlights on this page of some of the most pressing questions that Texas families have about their hail insurance. But this topic is as big as our state. We've covered many topics and want you to have access to all of those stories and questions that real Texans have asked us. Use the link below to see all of our information about Hail Insurance For Texans.

Click for more articles about Hail Coverage in Texas.

How Can I Get REAL Hail Coverage?

We have some great news for Texas families. The independent agents at Insurance For Texans work, live, and have families in this great state just like you. That means we understand not only the weather that happens here, but how to properly protect your family from its dramatic financial consequences. If you are worried about roof replacements or having dependable transportation after a major storm, it is difficult to focus on taking care of those that you love. We are experts in helping you with hail insurance and the peace of mind that comes with knowing that it is taken care of for you.

While our headquarters are just west of DFW airport in Dallas-Ft Worth, we also offer great service in the following Texas cities and beyond:

If you are ready to get a handle on your family's insurance, call us at 469.789.0220 or click the button below!  


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No matter your location in Texas, Insurance For Texans can keep you covered.