Insurance for hail damage in TexasIt’s that unsettling time of year when Mother Nature can wreak havoc on your property without much notice. Among the culprits is hail damage. Repairs due to hail damage can often cost thousands of dollars, depending on the size of the hail, the impact angle and force, and the duration of the storm.

The fact is that hail damage varies widely in total cost and the major categories are roof damage and vehicle damage. Siding, fences, and decking can also potentially suffer harm from hail impacts, but let’s focus on the main two for now.

Hail Damage to Roofing

Because your roof is more exposed to the weather than any other part of the house, it takes the brunt of a hailstorm. Asphalt shingles are the most common type of roof material and are prone to severe damage by hail stones.

Hail may only damage a certain portion of your roof, but it is usually impossible to replace only a portion of the shingles. Undamaged shingles adjacent to damaged ones must be taken up and put back down during the repair process, adding to labor costs. Replacement jobs can run from a few hundred to a few thousand dollars of damage.

When the damage is severe and widespread enough to call for total roof replacement, you could be looking at a $10,000 to $20,000. Your homeowner’s insurance will typically cover this expense, minus your deductible.

Hail Damage to Vehicles

Often overlooked is the cost of hail damage to vehicles, but the total price tag can be quite significant. If the dents are in hard to work on areas like the car’s roof, the cost goes up. Finally, broken windshields average about $300 to replace. Comprehensive auto insurance will cover hail damage and if you have not yet paid off your car loan it’s a good idea to carry it.

Hail damage in the U.S. costs homeowners millions of dollars in damage every year. While it often cannot be prevented, there are ways to minimize the risk and homeowner’s and comprehensive auto insurance policies will cover it. Knowing the potential costs of hail damage ahead of time should help motivate you to guard and insure against it so you are not caught unprepared.

RV Insurance Odessa Midland TXOne way to be sure your RV is adequately insured is to request an easy, fast online quoteRV insurance is different from other insurance, so it’s best to understand the details before you hit the road for summer trips and campouts.

For instance, do you know what a Total Loss Replacement (TLR) is?

It means that if your RV is totaled, your insurance cover replacement of a new RV or pays you the initial purchase price. That depends on how old your RV is at the time of the loss.

Do you understand what a Purchase Price Guarantee (PPG) means?

This kind of policy will reimburse you for the amount you paid for the RV toward the purchase of another RV. This policy can extend for the life of the RV or just first 10 years;  then convert to an Actual Cash Value (ACV) policy in the 11th year.

What is an Actual Cash Value (ACV) policy?

An ACV policy pays the depreciated, fair-market value of your RV in case of a total loss. ACV is the most common type of policy offered to RV owners.

Do you need Vacation Liability?

If your RV is parked and someone is injured at your campsite,  at the beach or wherever you’re parked,  you are covered up to the stated policy limits.

What is Diminishing Deductible Coverage?

Good drivers are rewarded with this coverage as comprehensive and collision deductibles are reduced by 25% of your original deductible for every year you have no claims until your deductible reaches zero. After that, you pay no deductible.

Is it best to take out Personal Contents Coverage?

If you’re traveling very light, you may decline this coverage. However, if you’re taking everything but the kitchen sink, you probably should take out personal contents coverage. It covers housewares, tools, clothes and sporting goods. Your homeowner’s policy may provide coverage, but there are often limitations to coverage for off-premises property, items in storage or belongings damaged in a collision. RV insurance specialty policies replace stolen or damaged items at full replacement cost. Items such as awnings, antennas, external racks and signal dishes are usually covered at no additional cost. Dollies for towing and trailers are usually included, too.

Do you really need Emergency Travel Expense?

Hope for the best, but plan for the worst. If your RV breaks down because of a covered loss, most RV insurance policies cover the cost of a rental car and/or hotel room while you’re waiting for repairs. If the RV is beyond repair, the policy can cover airfare to return you and your family home.

Do you qualify for Discounts?

Membership in an RV club is on way to qualify for a discount.  Also, installing supplemental braking systems can sometimes reduce your premium. Completing a safe driving course is usually a sure way to receive a discount on your RV insurance. Ask your independent insurance agent about these discounts and more.