CWF: Roof Insurance McGregor Texas and Your Wind and Hail Deductible
Coffee with Friends is usually laid back. Sometimes it is just about coffee. Sometimes it is about Texas weather. Today it is about something that can cost you real money.
If you own a home in or around McGregor, your roof gets tested every year. Strong winds push across the region. Hail can move quickly from Gatesville through Crawford, McGregor, Woodway, and Hewitt in a single afternoon. When that happens, your wind and hail deductible determines how much you pay before your homeowners insurance steps in.
In Texas, many homeowners carry percentage-based wind and hail deductibles instead of a flat dollar amount.
Right now, a lot of homeowners in McGregor are seeing:
- 1 percent deductibles
- 2 percent deductibles
- 3 percent deductibles
- Sometimes 5 percent deductibles
On a $400,000 home in McGregor, a 2 percent deductible means you would be responsible for $8,000 before your homeowners claim pays anything. That is why so many families in McGregor, Woodway, and Hewitt feel uneasy when storm season arrives.
A standalone wind and hail option that works alongside your home policy
Sola is not designed to replace your homeowners insurance. It is a separate wind and hail policy meant to help offset your homeowners wind and hail deductible and related out-of-pocket costs.
Rather than relying on a traditional field adjuster visit, Sola uses National Weather Service data to determine whether a qualifying wind or hail event occurred at your address.
Here is how it works in simple terms:
- You choose a coverage limit when you buy the policy.
- If a qualifying wind or hail event happens, Sola issues a payout based on the intensity of that event and your selected limit.
- You can use that money for repairs, your deductible, or other storm-related expenses.
This is not a reimbursement for actual repair bills. It is a set payout tied to storm data and policy terms.
You do not have to move your homeowners insurance to use this type of policy. It can work alongside whatever home policy you already have.
For families in McGregor, Lorena, and Hewitt, this can provide an extra layer of protection without changing their current homeowners coverage.
How payouts are determined
For wind and tornado events, payouts are based on storm intensity. Stronger events trigger higher payouts, while lower-intensity events trigger smaller amounts.
For hail, Sola uses what they call a “Hail Score,” which measures both hail size and how long it impacted your home. A certain threshold must be met for a payout to apply.
There is no deductible on the Sola policy itself. If a qualifying event occurs, the payout is issued directly to you according to the policy terms.
According to Sola, a claim on this policy does not get reported to your homeowners carrier and does not impact your homeowners insurance record.
All payouts depend on the specific policy terms and how Sola defines a qualifying event.
Why this matters before Central Texas storm season
Storm season does not wait for you to be ready. In April 2023, a line of hailstorms moved through McGregor, Waco, and China Spring, leaving damaged roofs across the area. Many homeowners faced large deductibles right away.
If you wait until after a storm to think about your deductible, your options are already set. Planning ahead gives you more control.
A practical tip you can do today
Pull out your homeowners declarations page.
Find your wind and hail deductible, not your regular one.
Write that number down.
Then ask yourself this.
If a hailstorm hit McGregor tomorrow, could you comfortably pay that amount out of pocket?
If not, it may be worth exploring whether a standalone wind and hail policy could make sense for you.
What this looks like locally
Homeowners in McGregor want clear answers, not insurance jargon. You want to protect your roof, your budget, and your peace of mind. Neighbors in Woodway are asking the same questions. Families in Hewitt are paying closer attention every spring.
Your deductible is not just a line on a policy. It is a real dollar amount that can change your year after one bad storm.
If you own a home in or around McGregor and your wind and hail deductible concerns you, reach out. I can review your current setup, explain exactly what you have, and help you decide whether a standalone wind and hail option fits your situation.
Thanks for another round of Coffee with Friends, Get a quote today at https://solainsurance.com/get-quote/brian@centexins.com?src=cobrand
Brian Porter
Cen-Tex Insurers