If your roof is 15 years old, you might assume you’re fully covered if a storm damages it.  But your insurance company may look at things differently. In Texas, roof age and condition can play a significant role in how an insurance company evaluates your coverage and a future claim. Here are a few things homeowners should know: 🔹 Roof age matters. Some carriers have restrictions or different settlement methods for older roofs. 🔹 Replacement

Think your homeowners insurance covers everything? Think again. Homeowners insurance can be confusing, especially in Texas. Between severe thunderstorms, hail, hurricanes, flooding, high winds, aging roofs, and rapidly changing repair costs, understanding what your policy actually covers is more important than ever. Unfortunately, there are several common misconceptions about homeowners insurance that can leave Texas homeowners with unexpected out-of-pocket expenses after a loss. Let’s separate fact from fiction and debunk 10 of the most common

Protect your home. Protect your investment. Owning a home in Texas comes with many rewards, but it also means facing risks that homeowners in other states may not experience. From hailstorms and hurricanes to plumbing leaks and foundation issues, unexpected damage can happen at any time. The good news? Many of the most common homeowners insurance claims are preventable with regular maintenance and a little preparation. Here are the ten most common home insurance claims

  🌧️ Is Your Home Really Protected Against Flooding?🌧️ Here’s a surprising fact: Just a few inches of rain can create floodwater to cause thousands in damage. Yet many homeowners assume their homeowners insurance will cover flood damage—only to discover after a storm that it doesn’t. With unpredictable weather and heavier rainfall becoming more common, flood risk isn’t limited to homes near rivers or the coast. In fact, many flood insurance claims come from properties

When is the last time you reviewed your insurance program? For most of us, insurance considerations come into play once a year. Maybe we shop for a different solution, explore discounted rates or increase existing coverage to protect new assets. But outside of the basic maintenance, your insurance policies can begin to collect dust and possibly leave you under or over insured. As you finish summer and head into fall, consider a full-scale review of