How to Make Sure Your Policy Includes Sufficient Dwelling, Roof Replacement, and Storm Damage Coverage

Living in North Texas means facing unpredictable weather, from strong winds and hail to severe tornadoes. As homeowners, it’s essential to review your insurance policy regularly to ensure you have the right protection in place.

Understanding Dwelling Coverage

Dwelling coverage is the part of your homeowners insurance policy that helps pay to repair or rebuild your home if it’s damaged by a covered event, such as a windstorm or hail. It’s important to make sure your coverage limit reflects the current cost to rebuild your home, not just its market value. Construction costs can rise over time, so reviewing your policy annually is a smart way to avoid being underinsured.

Roof Replacement: What to Look For

Roof damage is common in Texas due to frequent hail and windstorms. Not all policies offer the same level of roof replacement coverage. Some may only pay for the depreciated value of your roof, while others provide full replacement cost. Your insurance broker can help you review your policy to determine if you have replacement cost coverage, which can make a significant difference after a storm.

Storm Damage: Wind, Hail, and Tornado Protection

Texas homeowners are no strangers to severe weather. Standard policies typically cover wind and hail damage, but it’s important to check for any exclusions or limitations. Tornadoes can cause extensive destruction, so ensuring your policy includes adequate storm damage protection is crucial. You should review your deductibles for wind and hail claims, as these can sometimes be higher than your standard deductible.

How We Help Texas Homeowners

At Atlas Insurance Group Services, we work closely with our clients to:

• Assess current dwelling and roof coverage limits
• Identify gaps or exclusions in storm damage protection
• Recommend updates to keep your policy in line with local risks and rebuilding costs

If you’re unsure whether your homeowners insurance is up to date, our team is here to help you navigate your options and secure the right coverage for your home.

Contact us today to schedule a policy review and ensure your home is financially protected against North Texas weather.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.