Pros & Cons
✅ Pros
- Inflation Protection automatically updates coverage limits to match building costs
- Water backup and sump pump overflow coverage add-on
- Discounts for modern home safety equipment (smart leak sensors)
❌ Cons
- Slightly higher TDI complaint index than Texas state median
- Non-renewal restrictions for homes with multiple water damage claims
Roof Settlement & Windstorm Rules
Roof Settlement Type: Replacement Cost & Inflation Protection
Wind & Hail Policy: Wind/Hail deductibles mandatory in non-coastal hail zones