Texas Wind & Hail Deductible Buyback Stop paying $15,000+ out of pocket when hail hits.

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.

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.

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.

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.

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.

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.

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.