Roof settlement
Some policies pay to replace a roof. Others deduct for age. In hail country, that difference shows up on the claim.
Home
Home insurance
Home insurance protects the house itself, the things in it, and your liability if someone is hurt there.
Homeowners in The Woodlands and across north Houston who want to know what a claim would actually pay.
Jason Karamath
(806) 445-2987
What I’ll look at
Rebuild cost
What the house would sell for is not what it costs to rebuild it. Dwelling coverage should follow construction cost.
Wind and hail deductible
Many Texas policies use a separate wind and hail deductible, sometimes a percentage of the dwelling limit.
Water backup
A backed-up drain or sump is often an optional endorsement, not something the base policy assumes.
Here, specifically
Woodlands homes see hail, wind, and heavy rain more often than a national brochure admits. A review starts with the roof, the wind and hail deductible, and how water is treated.
Common questions
Does homeowners insurance cover flood?
Usually no. Rising floodwater is a different policy. A burst pipe and a backed-up drain are different again. I’ll show you which of the three your current policy actually addresses.
Should my coverage match the purchase price?
Not automatically. Coverage should track what it would cost to rebuild, which can sit above or below the market value depending on the house.
How often should we look at this?
Once a year is a good rhythm, and again after a renovation, a new roof, or a change in who lives in the house.
Have an insurance question?
Ask your neighbor.Tell me what you have. I’ll give you an honest opinion, including if you should leave it alone.