Notes from an independent agency. Coverage explainers, industry shifts, and practical guidance from the people writing your policies and shopping the market on your behalf.
It applies to covered personal residential property policies issued, delivered, or renewed in Texas on or after January 1, 2026. How to check your policy date, what Chapter 1813 changes, and how appraisal interacts with ACV, RCV, and depreciation.
Read more →Most carriers draw the line between 15 and 20 years old for an asphalt shingle roof. Past that, expect an inspection request, a switch to ACV settlement, or a non-renewal notice. Here's what actually triggers each outcome, and what to do before it happens.
Read more →Two policies can look identical on price and still pay out thousands of dollars apart after a claim. The difference usually comes down to four words buried in your declarations page: replacement cost or actual cash value.
Read more →Most homeowners policies in storm corridors now use percentage-based wind/hail deductibles. On a $400,000 home, that can mean $8,000 out of pocket before the policy pays a dime. Here's why — and three things you can actually do about it.
Read more →Usually, yes — but not always, and not by the same amount for everyone. Here's what actually drives a premium increase after a roof claim, roughly how much to expect, and the moves that keep the hike smaller.
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