Rodriguez Insurance Agency LLC
901 Waterfall Way, Suite 301, Richardson, TX 75080
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901 Waterfall Way, Suite 301, Richardson, TX 75080
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Richardson residents.
Richardson drivers pay $2,381/year for car insurance. Learn how Telecom Corridor traffic, tech jobs, and your zip code affect rates—plus proven ways to save.
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.
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.
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.
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.
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.
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.
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