Is Your Home Insurance Ready for Storm Season?

Storm season isn’t just about wind and rain—it’s about protecting your home and wallet from costly damage. Many homeowners unknowingly leave themselves exposed because their insurance policies aren’t storm-ready. As experts in roofing and storm restoration, we’re here to help you avoid these pitfalls. Follow this quick guide to ensure your coverage is rock-solid before the storms hit.

Wind and Hail Deductibles: Don’t Get Caught Off Guard

Your wind and hail deductible is critical—it’s the portion you pay out-of-pocket before your insurance covers storm damage. Most policies use a percentage of your home’s insured value instead of a flat amount. For example, a 2% deductible on a $300,000 home means you pay $6,000 before coverage kicks in.

Here’s the kicker: Many homeowners don’t realize their deductible changed during policy renewal, often moving from 1% to 2%. This subtle shift doubles your out-of-pocket costs! Opt for a 1% deductible for better financial protection.

Code Coverage: A Small Investment, Huge Savings

Building codes evolve for safety, and storm repairs must meet these new standards. Without code coverage (also called ordinance coverage), you’ll bear the cost of mandatory upgrades.

The best part? Code coverage usually adds just a few dollars to your premium but can save you thousands in repairs. For instance, if your roof needs storm repairs, and local laws now require upgraded materials, code coverage ensures those costs are included in your claim. Check your policy today to avoid surprise expenses.

Replacement Cost vs. Actual Cash Value

Does your policy cover the replacement cost of your home or just its actual cash value (ACV)? Here’s the difference:\n

• Replacement cost pays for new materials at today’s prices.\n
• ACV factors in depreciation, leaving you with a smaller payout.\n Replacement cost coverage might cost more upfront, but it provides the security you need when rebuilding.

Annual Insurance Check-Up: Stay Ahead of the Game

Don’t let outdated coverage leave you vulnerable. Schedule a yearly review with your agent and ask these key questions:

• Is my wind and hail deductible 1%?
• Do I have code/ordinance coverage?
• Are my coverage limits sufficient for today’s construction costs?
• Does my policy cover replacement costs?

Work With Experts Who Care

At DFW Storm Restoration, we’re more than just roofing specialists—we’re your local storm restoration experts. We provide roof inspections, insurance documentation, and expert guidance to keep your home protected. With years of experience and a customer-first approach, we make sure you’re covered before, during, and after the storm.

Act Now: Protect Your Home Before the Next Storm

The time to prepare is now. Ensure your insurance policy includes a 1% wind and hail deductible, code coverage, and replacement cost protection. Don’t wait for the next storm to find out your policy isn’t enough.

Need an expert? Contact Jeanette Jones at DFW Storm Restoration at 682-583-6982 or visit www.dfwstormrestoration.com. Let’s secure your home and peace of mind together.