Can My Church Insurance Tell Me Who Makes Repairs After a Claim?

Ron Wadley of Insurance for Texans explains how some church insurance policies settle claims through managed repair programs. These programs require using the carrier’s contractor, shifting control away from the church. He illustrates this with Steve, a deacon in Amarillo whose church roof was damaged by hail. After filing a claim, Steve learned he could not use a trusted local church member’s construction company because the insurer’s contractor would control the scope and repair process. Wadley warns that under these programs contractors work for the insurer, limiting the church’s ability to address delays, material mismatches, or workmanship, and raising security concerns when crews access campuses with children and volunteers. He urges leaders to seek certainty by knowing claim handling terms before signing, and to work with a church insurance specialist to avoid hidden clauses. Contact our church insurance team at insurancefortexans.com Get a copy of our book at thepromiseofcertainty.com 00:00 Show Introduction 00:27 Today’s Key Question 00:40 Steve’s Storm Story 01:21 Surprise Policy Clause 02:10 Why Control Disappears 02:44 Contractor Works for Carrier 03:24 Security and Access Risks 04:07 Premium Discount Strings 04:18 Promise of Certainty 04:44 How to Avoid the Trap 05:05 Connect and Closing