What We Handle
Case Types We Fight
Coverage A — Dwelling
The main structure of your home. Insured on replacement cost or actual cash value basis.
Coverage B — Other Structures
Detached garages, fences, sheds. Typically 10% of Coverage A.
Coverage C — Personal Property
Your belongings — furniture, electronics, clothing. ACV or RCV basis.
Coverage D — Loss of Use / ALE
Additional living expenses when temporarily displaced. Often underutilized.
Coverage E — Liability
Personal liability if someone is injured on your property.
Endorsements & Riders
Sewer backup, water backup, Ordinance or Law, extended replacement cost.
What You Can Recover
- Full replacement cost under Coverage A when properly documented
- All covered structures under Coverage B
- Personal property on replacement cost basis when applicable
- ALE / Loss of Use during covered repairs
- Ordinance or Law upgrade costs when the endorsement is in force
Frequently Asked Questions
Common Questions About Your Case
What is the difference between replacement cost and actual cash value? +
RCV policies pay what it costs to repair or replace without depreciation deductions. ACV policies deduct depreciation. RCV policies cost more in premium but provide far better protection.
What perils are typically excluded from a Texas homeowners policy? +
Common exclusions: flood (requires separate policy), earthquake, nuclear hazard, intentional loss, gradual/deferred maintenance damage, and in some coastal counties, wind/hail requiring separate windstorm coverage.
What should I do before hurricane season? +
Document your home and contents with video. Keep video in cloud storage. Review policy limits and endorsements annually. Understand your wind/hail deductible. Know your insurer's claim reporting procedures.