Texas homeowners get hit from two directions at once, and which one matters depends almost entirely on how far you live from the coast.
Inland — Dallas, Austin, San Antonio, most of the Houston metro — the number that decides your outcome is the roof settlement basis. Ask whether your policy pays replacement cost or actual cash value on the roof. If it is ACV and your roof is a decade old, a hailstorm that requires a full replacement may pay less than half the cost, and you will pay the wind/hail deductible on top of that. The endorsement that fixes this is usually inexpensive relative to what it protects.
On the coast, the question is different: whether you have windstorm coverage at all. Many coastal policies exclude wind entirely, and it has to be written separately — often through TWIA. Homeowners regularly discover this after a named storm rather than before one.
The good news is that Texas is genuinely competitive. Unlike a distressed market, there are many carriers writing here, and the spread between the best and worst quote on the same house is routinely wide enough to be worth an hour of your time.
Send us the declarations page you have now. We read it line by line against what this market is actually doing, and tell you plainly whether anything worth changing has changed.
Send your policyThe same house priced in two states is two different problems. These are the markets we work most, and what actually decides the outcome in each one.
Send your declarations page and we will read it properly — what you have, what it would actually pay, and whether anything worth changing has changed.
Independent insurance guidance for your home, your business, and your life across state lines.