Across Texas, wind and hail deductibles are increasing—and full replacement cost coverage for roofs is becoming harder to find. For many homeowners, this trend makes it more expensive and more stressful to protect one of their biggest investments. At Brenda Heulitt Agency, we understand the challenges our clients face in the Texas Hill Country and beyond, and we’re excited to offer a smart solution that fills these growing coverage gaps.

A Better Solution for Wind & Hail Protection

We now offer a policy designed specifically to offset rising wind and hail deductibles—without the headaches that usually come with filing a claim. This supplemental coverage works alongside your homeowners insurance to provide fast, predictable protection when severe weather hits.

What Makes This Coverage Different?

• No adjusters – Claims are covered using official National Weather Service data.
• Fast payouts – Payments are based on storm intensity and the coverage level you select.
• No deductible – You keep more money in your pocket when you need it most.
• No claims history reported – These claims won’t affect your home insurance record.
• No risk of non-renewal or premium increases due to claims on this policy.

How It Works

The policy matches the wind and hail deductible on your existing home insurance, helping cover the portion you’d otherwise have to pay out of pocket. You can even increase the deductible on your homeowners policy—often lowering your premium—without sacrificing protection.

Coverage can also be extended to fill the gap left by roof depreciation when your home policy pays only actual cash value for repairs or replacement. That means you’re protected even when partial damage doesn’t exceed your deductible.

Keep in Mind

This coverage includes a short five-day waiting period, so it’s important to put it in place before storm season ramps up.

Peace of Mind When Texas Weather Strikes

For many families, paying a large deductible after a storm—or receiving no payout at all for partial damage—can create real financial stress. This supplemental policy offers predictable, affordable protection so you don’t have to worry every time severe weather rolls into New Braunfels or the Texas Hill Country.

If you’d like to explore this option or get a custom quote, the team at Brenda Heulitt Agency is here to help you stay protected and prepared.

Contact us today and let’s make sure your home is ready for whatever Texas weather brings.