Pros & Cons

✅ Pros

  • Declining Deductible rewards claim-free years
  • Flexible coverage tiers (Standard, Enhanced, Premier)
  • Good local presence in suburban Texas communities

❌ Cons

  • Base premiums tend to be above Texas state average
  • Strict windstorm/hail deductible thresholds in DFW and Panhandle

Roof Settlement & Windstorm Rules

Roof Settlement Type: Full Replacement Cost endorsement available

Wind & Hail Policy: Percentage deductibles (1%-5%) mandatory in hail areas