If your homeowners (or windstorm) policy’s dwelling amount rises every year, it’s usually because insurers are trying to keep your coverage in line with what it would actually cost to rebuild your home today. Sale price and tax value aren’t the driver here. This post breaks down replacement cost vs. actual cash value, and why the 80% coinsurance requirement matters.
While a typical homeowners policy will protect your roof from various named perils like hailstorms, water damage, and fallen branches, most insurance providers won’t cover homes with roofs that are more than 20 years old. Here’s what you need to know about replacing the roof over your head:
Your choice of roofing materials can significantly impact the lifespan of your roof. In Texas, where the climate can be unforgiving, selecting the right materials is crucial for longevity and durability.
Water damage is a significant concern for Texas homeowners, ranking as the second most common reason for property insurance claims, just after hail damage. With claims averaging $12,514, understanding water damage coverage nuances is vital when selecting a homeowners insurance policy. In this comprehensive guide...
10 things to know before you shop for insurance quotes and when renewing your insurance policies
Switching your windstorm policy mid-term can look like an easy way to save money, but it often comes with surprises that don’t show up in the quote. From escrow and billing headaches to new inspections, coverage gaps, and lender issues, a mid-term switch can create real risk if it isn’t handled carefully. Here are four common pitfalls to watch for before you make a move.
Windstorm coverage is too important to “set and forget.” Worthen Insurance has been writing and servicing windstorm policies since 2005, and we’ve learned the hard way that you usually don’t find out how good your agency is until you have a claim. Here are three ways our team puts you first, from shopping the market to advocating for you when it matters most.
If you live in coastal Texas, your homeowners policy may not include wind and hail coverage, which is why many property owners turn to a separate windstorm policy. This article explains when TWIA may be the right fit, why windstorm inspections matter for certain builds or renovations, and how wind and flood coverage work together (and don’t overlap).
This guide examines the most important things you need to know before, during and after obtaining windstorm insurance in Texas.
