Texas Wind & Hail Deductible Buyback Stop paying $15,000+ out of pocket when hail hits.
Most Frisco policies now force a 2% to 5% wind/hail deductible — that’s up to $30,000 on a $600k home. We add a supplemental policy that pays you cash the moment hail hits, so you never write that check.
Takes about 2 minutes — no commitment required
We cover the gap between your carrier’s percentage deductible and your wallet. A $15,000 deductible becomes a $0 problem.
Your payout is triggered by hail size data at your address — no waiting for a slow adjuster to climb your roof.
This is supplemental coverage. It layers on top of your Travelers, Safeco, or Progressive home policy — no switching required.
The “Percentage Trap”
Carriers are forcing Texas homeowners into 2%, 3%, or even 5% wind/hail deductibles.
On a $600k home, that isn’t a deductible — it’s a financial disaster:
- 2% Deductible$12,000 Cost
- 3% Deductible$18,000 Cost
- 5% Deductible$30,000 Cost
And with a standard claim, you wait 30–90 days for a check that still doesn’t cover your full deductible.
How The “Deductible Buyback” Works
We Analyze Your Risk
We look at your address and hail history to calculate the exact cost to “buy back” your 2% – 5% deductible.
You Lock In The Rate
You pay a small annual premium (usually much less than the savings of raising your deductible).
Storm Hits, You Get Paid
When data confirms the hail size, the check is sent. No arguments. No adjusters.
Trusted By North Texas Homeowners & Backed By Global Capacity
See What It Costs to Pay $0
Tell us your home value and deductible — we’ll show you your buyback rate.
Common Questions
Is this a replacement for my home insurance?
No. This is a supplemental policy designed specifically to pay your deductible. You still need your main homeowners policy for fire, theft, total loss, and liability. This layers on top of what you already have.
How much does the buyback policy cost?
It depends on your home’s location, value, and deductible percentage. Most DFW homeowners pay significantly less per year than the deductible they’re protecting. For example, eliminating a $12,000 out-of-pocket risk typically costs a fraction of that amount annually. Submit the form above for an exact quote.
How fast is the payout?
Because the policy is triggered by verified hail size data at your location — not a claims adjuster’s inspection — payouts typically happen within days of event confirmation. No arguments, no waiting for a roof inspection, no back-and-forth with your carrier.
What if hail hits my area but not my exact house?
The policy is triggered by weather data verified at your specific location. If the data confirms hail at or above the qualifying size reached your address, the payout triggers automatically. You don’t have to prove damage — the data does the work.
Does filing a buyback claim affect my home insurance rates?
No. This is a completely separate, standalone policy. Filing a claim on your deductible buyback policy has no impact on your primary home insurance rates, claims history, or renewability. It’s an independent contract.
Can I cancel anytime?
Yes. The policy runs on an annual term. You can choose not to renew at any time. There are no long-term commitments or cancellation penalties.
Is this available for commercial properties?
Yes. We write policies for commercial buildings, apartment complexes, auto dealerships, strip centers, and industrial properties where 5% deductibles are common and the out-of-pocket exposure can reach six figures. Call us directly for commercial quotes.
Still Have Questions?
Talk to a licensed specialist who can walk you through your specific situation.
The Agent’s Office® — Frisco, TX — TX License No. 3137979