Question 1

Why is my windstorm and hail deductible so much higher than my regular deductible?

Accepted Answer

Richardson is in a high-risk hail zone, and insurers use percentage-based deductibles (typically 2% of your dwelling coverage) to manage their exposure to frequent, expensive hail claims. On a $500,000 home, that means a $10,000 deductible specifically for wind and hail damage, compared to your standard $1,000-$2,500 deductible for other perils. This is standard practice across North Texas and reflects the area's severe weather history.

Question 2

Does my Richardson home insurance cover tornado damage?

Accepted Answer

Yes, tornado damage is covered under the wind and hail portion of your standard homeowners policy. However, you'll pay your windstorm and hail deductible (usually 2% of your dwelling coverage) before insurance coverage begins. Make sure your dwelling coverage is high enough to fully rebuild your home if it's destroyed, as replacement costs often exceed market values.

Question 3

Do I really need flood insurance if I'm not in a flood zone?

Accepted Answer

Flash flooding is the most common hazard in North Central Texas, and it can happen anywhere during heavy thunderstorms—not just in designated flood zones. Standard homeowners insurance doesn't cover flood damage at all. A separate flood policy costs $400-$700 annually on average and can prevent massive out-of-pocket losses if your home floods.

Question 4

Will impact-resistant roofing actually lower my insurance premium?

Accepted Answer

Yes, most insurers offer discounts of 10-30% for Class 4 impact-resistant shingles, which are specifically designed to withstand hail damage. Given Richardson's hail exposure, this upgrade can pay for itself over time through premium savings. Make sure to get documentation from your roofer and submit it to your insurance company to receive the discount.

Question 5

How often should I shop for home insurance in Richardson?

Accepted Answer

Shop your Richardson home insurance every 1-2 years minimum, especially given the rapid rate increases Texas has seen (21% in 2023, 19% in 2024). The market is volatile, with insurers entering and leaving the state and adjusting their pricing models frequently. Getting quotes from multiple carriers can reveal significant savings, but compare coverage details, not just price.

Question 6

What should I do immediately after hail damages my Richardson home?

Accepted Answer

Document all damage with photos and videos before making temporary repairs to prevent further damage (like tarping a damaged roof). File your claim promptly, but don't rush into signing contracts with storm-chasing roofers who appear in your neighborhood. Get multiple estimates, verify contractors are licensed and insured, and remember you'll need to pay your full windstorm and hail deductible before insurance coverage applies.

Insurance Agents in Richardson, Texas (TX)

Insurance agencies serving Richardson

ABCO Home Plus Insurance

Agility Insurance Services

Insurance Agents in Richardson, Texas (TX)

Insurance agencies serving Richardson

ABCO Home Plus Insurance

Agility Insurance Services

American Mga Insurance

Basha Insurance

Customer Service

Heritage Risk Advisors Insurance. Miracles.

Insurance Of DFW

Insurance Source Of Dallas

John Lee Insurance Agency

Rising Star Insurance Group

Insurance Guides for Richardson

Home Insurance in Richardson

Car Insurance Costs in Richardson

Insurance Guide for Richardson

Auto Insurance in Richardson

Frequently asked questions