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Hail is a North Texas fact of life
North Texas sits in one of the most hail-prone parts of the country, and spring is the busiest season. Roofs, siding, windows, and cars all take the hit.
Many Texas homeowners policies use a separate wind and hail deductible, and it is often a percentage of your dwelling coverage rather than a flat dollar amount. On a larger home, that can be a meaningful number. Know yours before storm season.
Your roof matters
Insurers often look closely at the age and material of your roof. Some policies settle older roofs differently than newer ones, for example on actual cash value instead of replacement cost. Ask your agent which applies to you and what a roof replacement could change.
After a storm, take photos, make temporary repairs to prevent more damage, and keep receipts.
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Flood is usually separate
Standard homeowners policies generally do not include flood. Flood insurance is usually a separate policy, available through the National Flood Insurance Program or private insurers.
NFIP policies typically have a 30-day waiting period before they take effect, so do not wait for a forecast. You can check your property on FEMA’s flood maps at msc.fema.gov. Homes outside high-risk zones still flood, especially near creeks and the lake.
A pre-storm checklist
Find your wind and hail deductible on your declarations page
Know your roof’s age and material
Take a quick video walkthrough of your home and belongings
Ask whether flood insurance makes sense for your address
Save your agent’s number in your phone: (817) 516-0813
What neighbors say
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Karina was very knowledgeable and professional regarding insurance policies for my homes and vehicles. She gladly reviewed my policies several times with me and answered all my questions. Very comparable pricing. Highly recommend.
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Christianne with LucaBella Allstate helped me with my homeowners on my home close and really made things smooth. I highly recommend working with Christianne.
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Good employees are hard to have all in one place, but at my agency, LucaBella has it all. Great job, helpful, and knowledgeable, and most of all, quick response. Thank you guys.
Hail damage is commonly included in Texas homeowners policies, often with a separate wind and hail deductible. Your policy controls, so ask your agent to walk you through yours.
Is flood included in my homeowners policy?
Generally, no. Flood insurance is usually a separate policy.
How long does flood insurance take to start?
NFIP policies typically have a 30-day waiting period, with some exceptions such as a new mortgage.
Should I file a claim for minor hail damage?
It depends on your deductible and the damage. A quick conversation with your agent can help you decide.
Talk it over with a licensed agent
Text a photo of your policy, call the office, or book a time.
When you text us, our automated assistant replies and tells you it is automated. Message frequency varies. Message and data rates may apply. Reply STOP to opt out and HELP for help. Terms and Privacy.
When you text us, our automated assistant replies and tells you it is automated. Message frequency varies. Message and data rates may apply. Reply STOP to opt out and HELP for help. Terms and Privacy.
