Why More of Your Roof Claim Is Coming Out-of-Pocket in Texas

If a recent hail or windstorm left you with roof damage, you may have discovered that your insurance covers less than it used to. The reasons are a mix of higher wind/hail deductibles, a shift from replacement cost (RCV) to actual cash value (ACV) or scheduled roofs, cosmetic-damage exclusions, and a Texas law requiring you to pay your deductible (no waiving allowed). Together, these changes mean homeowners shoulder a bigger share of the bill than in past years. Texas Department of Insurance+2Texas Department of Insurance+2 PTS Help

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