Adams Insurance Agency
6015 SW 45th Ave, Ste C, Amarillo, TX 79109
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Amarillo households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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6015 SW 45th Ave, Ste C, Amarillo, TX 79109
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6015 W 45th St, Ste C, Amarillo, TX 79109
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8005 SW 34th Ave, Amarillo, TX 79121
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6313 S Western St, Amarillo, TX 79110
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3419 S Coulter St, Ste 5A, Amarillo, TX 79109
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905 S Fillmore St, Suite 600, Amarillo, TX 79101
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2431 I-40, Amarillo, TX 79109
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2431 I-40 West, Amarillo, TX 79109
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5410 S Bell St, Suite 206B, Amarillo, TX 79109
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5410 S. Bell, Suite 206B, Amarillo, TX 79109
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Learn about insurance coverage options specific to Amarillo residents.
Amarillo home insurance costs $2,800-$5,900/year. Get coverage for tornadoes, hail, and extreme Panhandle weather. Save 10-30% with impact-resistant roofing.
Car InsuranceAmarillo drivers pay $1,896/year for full coverage. Learn why hail & dust storms drive rates up, how to save with bundling, and which carriers offer the best deals.
Car InsuranceAmarillo auto insurance averages $1,200-1,600/year. Learn about Texas's 30/60/25 minimums, hail coverage, I-40 risks, and how to find cheap rates.
General Insurance EducationComplete insurance guide for Amarillo residents. Learn about Texas's 30/60/25 requirements, tornado coverage, at-fault laws, and how to save on premiums.
Amarillo's location in Tornado Alley and Hail Alley means frequent severe weather events that cause significant property damage. Insurance companies price policies based on historical claims data, and Amarillo has higher claim frequencies for hail, wind, and tornado damage than most other Texas cities. The May 2013 storms alone caused over $600 million in damage, demonstrating the real financial risk insurers face in the Panhandle.
Yes, standard homeowners insurance policies in Texas cover tornado damage, including damage from high winds associated with tornadoes. This coverage is included in your dwelling coverage and typically covers your home's structure, detached structures like garages, and personal property inside. However, flood damage caused by heavy rains from the same storm system requires separate flood insurance.
Texas law requires insurance companies to offer discounts ranging from 10% to 30% for Class 4 impact-resistant roofing. On an average Amarillo policy of $3,000-$5,000 per year, that translates to $300-$1,500 in annual savings. The roof typically costs 15-25% more than standard shingles upfront, but it pays for itself through insurance savings, fewer repairs from hail damage, and longer lifespan.
It depends on your location. While Amarillo has an arid climate, damaging flash floods have hit the area in recent years, especially near creeks and drainage areas. Standard home insurance doesn't cover flood damage at all. If you're in a FEMA-designated flood zone or near areas prone to flash flooding, flood insurance through the National Flood Insurance Program or a private carrier is essential to protect your home.
Document all damage with photos and videos before making temporary repairs to prevent further damage (which your policy typically requires). Contact your insurance company immediately to file a claim—don't wait for a contractor to inspect first. Get multiple estimates from licensed, reputable roofers, but be cautious of storm chasers who go door-to-door after major hail events. Your insurance adjuster will assess the damage and determine the payout based on your coverage.
Coverage for basements and below-grade spaces varies by policy. Some standard policies exclude or limit coverage for basements, which can be a problem in Amarillo where many homes have tornado shelters or finished basement living areas. Review your policy carefully to verify basement coverage is included, especially for the structure itself, finished improvements, and belongings stored there. You may need to add an endorsement for full basement coverage.
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