Risk Insights Blog

Does Cargo Insurance Cover Stolen Freight?

Jacob Pope — Mon, 14 Sep 2026 09:00:00 GMT

Usually, but not always — and the exceptions have moved. The freight theft that costs Texas carriers the most money now is not a trailer cut open behind a truck stop. It is a load handed to a thief who booked it with a carrier’s stolen identity, delivered voluntarily, off a legitimate load board, on a legitimate rate confirmation.

Who Pays When a Tenant's Property Is Damaged in Texas?

Jacob Pope — Fri, 11 Sep 2026 09:00:00 GMT

The tenant does, in most cases. A landlord’s property policy insures the building — structure, roof, mechanical systems, the owner’s appliances and fixtures. It does not insure the tenant’s furniture, electronics, clothing, or anything else the tenant moved in. That is what renters insurance is for, and if the tenant does not carry it, the loss usually sits with the tenant.

Can a Texas Insurer Drop Me Because My Roof Is Old?

Jacob Pope — Thu, 10 Sep 2026 09:00:00 GMT

Today, yes. A Texas insurer can decline to write or refuse to renew a residential property policy because the roof has aged past the carrier’s underwriting threshold. That is a common practice, and it is currently legal.

Does Homeowners Insurance Cover Flood Damage in Texas?

Jacob Pope — Wed, 09 Sep 2026 09:00:00 GMT

No. A standard Texas homeowners policy does not cover flood, and no endorsement will add it. Flood coverage comes from a separate policy — either the National Flood Insurance Program or a private flood carrier — and it takes thirty days to become effective in most cases.

Texas Price Optimization Ban: How to Read Your Renewal (2026)

Jacob Pope — Tue, 08 Sep 2026 15:30:00 GMT

On September 2, 2026, the Texas Department of Insurance told every insurer it regulates to stop doing something most policyholders never knew was happening: setting your renewal increase partly on how likely you are to shop around.

Do I Need Commercial Auto Insurance in Texas? | Donegan

Jacob Pope — Fri, 04 Sep 2026 09:00:00 GMT

If the vehicle is titled to your business, you need commercial auto insurance. If it is titled to you personally but used for work beyond commuting, the answer depends on what “work” means — and getting it wrong is one of the most expensive uninsured-loss scenarios a small Texas business can create for itself.

Does Homeowners Insurance Cover Water Damage in Texas?

Jacob Pope — Thu, 03 Sep 2026 09:00:00 GMT

Sometimes. Texas homeowners policies generally cover water damage that is sudden and accidental — a burst pipe, a failed washing machine hose, a water heater that lets go overnight. They generally do not cover water that arrives slowly, water that comes from outside and rises, or water that has been leaking long enough to be called maintenance.

How Do I File a Hail Damage Claim in Texas? | Donegan

Jacob Pope — Wed, 02 Sep 2026 09:00:00 GMT

File it promptly, document it before anything gets repaired, and know the deadlines that run against both you and your insurer. Texas gives homeowners a specific, enforceable claims timeline under Insurance Code Chapter 542 — and gives insurers a contractual reporting window that is shorter than most people expect.

What Is a Wind and Hail Deductible in Texas? | Donegan

Jacob Pope — Tue, 01 Sep 2026 09:00:00 GMT

A wind and hail deductible in Texas is a percentage of the amount your house is insured for — not a percentage of the damage, and not the flat dollar deductible that applies to a kitchen fire. That one distinction is the reason thousands of Texas hail claims each year end with a payment of exactly zero.

Texas Roof and Hail Damage Insurance: The Complete Guide

Jacob Pope — Mon, 31 Aug 2026 09:00:00 GMT

Texas leads the country in hail damage, and it is not close. The Insurance Information Institute counted 902 major hail events in Texas in 2025; Illinois, in second place, had 375. That single fact shapes almost everything about how homeowners insurance is priced, written, and paid in this state — the deductible on your declarations page, the depreciation schedule on your roof, and whether a $10,000 hail claim pays you anything at all.