Roofing Professionals of Texas

 

By Freddie Reinwald , Roofing Professionals of Texas If you’re shopping for a new homeowners insurance policy in North Texas and you’re tired of getting blindsided by exclusions buried in the fine print, you’re not alone. Prosper sits in the heart of the DFW hail belt , where straight-line winds, tornadic activity, and clay-soil foundation movement make weak policies a financial liability. Homeowners call us every week after their carrier denies a hail claim or cuts coverage using loopholes they never knew existed. For homeowners trying to avoid underwritten traps, here’s the truth: Not all insurance carriers offer the protections your home actually needs. Many policies exclude cosmetic hail damage, foundation movement, ordinance upgrades, or full replacement cost on older roofs. In Prosper, those gaps cost homeowners thousands. Below is the exact coverage checklist you should demand before you renew or switch carriers. I use this same framework when educating homeowners throu...