Texas hail deductibles work differently from standard deductibles — most policies use a percentage of your home’s insured value rather than a flat dollar amount. This category covers how hail and storm deductibles are calculated, the difference between actual cash value and replacement cost coverage, and what to expect when filing a storm damage claim. Written for Texas homeowners who want to understand their policy before a storm hits.
A hurricane deductible is separate from your standard deductible — and it is almost always percentage-based. Here is what triggers it, how it differs from a wind/hail deductible, and why inland Texas homeowners are not off the hook.
Texas law gives policyholders specific rights when an insurer handles a claim unfairly. Here is what bad faith means under Texas Insurance Code Chapters 541 and 542 — and what you can do about it.
Texas leads the nation in hail events. In a recent twelve-month period, the state recorded more than 600 significant hail storms. Most of them hit in a band stretching from the Panhandle through DFW and south toward San Antonio — exactly where the most homeowners live. So the question is reasonable: does your homeowners insurance…
On a Texas hail claim, ACV coverage subtracts depreciation before paying you — and on an old roof, that math can leave you with nothing. Here is what ACV and RCV mean, how recoverable depreciation works, and what to check on your declarations page now.
The hail storm rolls through in April. Baseball-sized stones. Your neighbor’s car has dents. Your roof is covered in bruises. You call your insurance agent and say the words you hoped you would never have to say: “I need to file a claim.” Then your agent says: “Your hail deductible is 2 percent.” You assume…