Does my Texas Church Insurance Policy Have a Minimum Deductible?

Host Ron Wadley of Insurance for Texans explains how Texas churches are facing not only rising property insurance premiums but also higher, often non-negotiable wind and hail deductibles. He uses the story of a Fort Worth church that discovered a 5% deductible on their church’s roof. He notes insurers use higher deductibles to manage frequent storm losses. Risk purchasing groups typically trade lower premiums for greater deductible exposure because they are built for catastrophic claims instead of small claims. Wadley describes deductible buydown policies as a separate coverage that can reduce practical out-of-pocket costs while keeping the main policy’s lower premium. He also emphasizes stewardship through handling minor repairs internally, limiting claim frequency, and working with a church insurance specialist to understand policy consequences. 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 00:28 Deductibles Rising 00:33 Fort Worth Case Study 01:06 The 5 Percent Shock 01:44 Why Deductibles Climb 02:24 Risk Groups Tradeoffs 02:54 Minimum Deductibles 03:12 Deductible Buydown 04:04 Claims Stewardship Plan 04:43 Get Expert Help 05:20 Next Steps and Closing