08/30/2026
Your insurance renewal isn’t just another bill it may include changes that could cost you thousands when you need to file a claim.
In this five-minute video, Brad walks through his own 2021–2024 policy renewals and shows how both his annual premium and wind-and-hail deductible increased over time—even when the coverage initially appeared similar.
The exact numbers shown are from Brad’s personal, historical policies, but the lesson still matters today: review your declarations page every year.
Here are a few things to check:
✅ Is your roof covered at replacement cost or actual cash value?
✅ Is your wind-and-hail deductible 1%, 1.5%, or 2% and what does that equal in dollars?
✅ Are gutters, roof vents, and other metal components covered for cosmetic damage?
✅ Are your fence and other exterior structures properly covered?
✅ Were any new exclusions, limitations, or endorsements added at renewal?
Brad is a contractor not an insurance agent or adjuster so always ask a licensed insurance professional to explain your specific coverage.
And remember: just because your roof isn’t leaking doesn’t mean it wasn’t damaged by a recent storm. HPR can inspect your roof, document what we find with photos, and provide a clear report so you can see the condition for yourself.
When replacement is needed, we also help homeowners explore longer-lasting upgrades such as Class 4 impact-rated shingles and metal roofing systems that may qualify for insurance discounts, depending on the carrier and policy.
Protect your home before the next storm—and before another policy renewal catches you by surprise.
Call HPR at (214) 396-7772 or visit HPRTexas.com to schedule your roof evaluation.
