In the library · Home insurance
Home insurance
Four articles on the things that move a Texas homeowners policy without anybody asking you first — the age of the roof, the shape of the deductible, and the letter that says you are not being renewed. The cover itself is on the personal lines page.
4 articles, written by Dale Moon, owner and licensed Texas insurance agent. Sources are named at the foot of every article with the date they were last checked.
- After a non-renewal 10 min read Your Home Insurance Was Not Renewed. Here's the Order to Fix It. The stated reason on the notice determines the path. Roof age, claims frequency and coastal proximity each open a different route — and the letter is a diagnostic document, not a verdict.
- North Houston 11 min read Your House Is Not on the Coast. Your Policy Should Know That. The line that decides how a Houston-area house is insured runs along State Highway 146, and it is nowhere near the north corridor. Almost everything a Woodlands homeowner reads about windstorm is describing somebody else's house.
- Roof age and your policy 11 min read Your Roof Is Fine. Your Insurer Still Might Not Renew You. A roof does not have to leak to cost you your policy. Age alone can move it from replacement cost to actual cash value, and the difference does not show up until the claim cheque arrives.
- Wind and hail deductibles 8 min read Your 2% Wind and Hail Deductible Is Not 2% of the Damage The percentage applies to the insured value of the house, not the size of the loss. On a $525,000 home at 2%, a $10,000 hail claim pays nothing at all.
If you are ready
A non-renewal has a clock on it and a roof does not fix itself. One independent agency can re-shop the house across the carriers still writing your roof age and tell you what the deductible would actually cost you in a storm.