Can A Texas Church Buy Insurance for Their Roof?

Host Ron Wadley of Insurance For Texans explains how Texas church leaders can secure roof coverage and avoid common policy pitfalls. Through the story of Ted, the listener learns about the deductible trap, where roof deductibles are often a percentage of the building’s insured value instead of a flat amount. A potential solution is using a deductible buy-down policy to reduce risk while keeping premiums lower. Ron also highlights the depreciation surprise of actual cash value (ACV) coverage that can reduce claim payouts on older roofs. He discusses the option of standalone hail policies when replacement cost isn’t available. He warns about managed repair programs that limit contractor choice and a church’s control during repairs. Connect with our church insurance team at insurancefortexans.com Get a free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Show Introduction 00:27 Roof Coverage Focus 00:34 Ted’s Hail Worry 01:28 The Deductible Trap 02:03 Deductible Buy Down 02:38 Depreciation Surprise 03:19 Standalone Hail Options 03:30 Managed Repair Warning 04:01 Wrap Up and Next Steps 04:56 Final Mission Reminder