Pros & Cons

✅ Pros

  • Extensive agent network throughout Texas
  • Robust bundling discounts with auto insurance
  • Superior financial stability rating (A++)

❌ Cons

  • Strict underwriting rules for older roofs (15+ years)
  • May apply separate wind/hail deductibles in North Texas

Roof Settlement & Windstorm Rules

Roof Settlement Type: RCV available (Option OL available)

Wind & Hail Policy: Includes windstorm inland; requires TWIA in Tier 1 coastal zones