Janice is the treasurer for her smaller church in Belton. As the finance committee was meeting recently, they were looking at how their expenses for the year were compared to their budgeted amounts when they were hit with a bad piece of news. They knew that their church insurance policy was due for renewal and they fully expected their property insurance costs to go up. But seeing a letter saying that the church's insurance policy would not be renewed was definitely not what they were expecting. After reaching out to some other churches, they quickly realized that this was all too common for ..read more

Steve is the owner of a small but thriving boutique on the west side of Ft Worth. He has found a solid niche offering hip clothes to new moms that live in the up and coming area he is located in along with his online sales. As his business has grown, the need for more employees has reared its head. In the current labor market, it has become more difficult to attract and retain great employees if you cannot afford benefits that include health insurance. Currently, Steve only has two employees and he is unsure how he is going to obtain coverage not just for the two employees that seem more lik ..read more

Mario is a seasoned masonry contractor in Austin who has collected many tools for his trade through the years. He was talking with a friend of his who had his wet saw stolen from a job site the other day. Mario's friend found out the hard way that his saw was not covered by his homeowners insurance policy when the company determined that he was using the wet saw for work. This left a knot in Mario's stomach as he had always assumed that his tools were covered by his comprehensive homeowner's policy. Mario called our office worrying that he didn't have coverage. As he spoke with one of our ag ..read more

Most Texans have been through at least one major hail storm while living here. The sirens go off and the noise escalates with the wind, rain, and hail hitting the roof. You hope and pray that nothing happens to the roof over your head. If you're in a small West Texas town, there is a good chance that the local school or church is a safety shelter for the really big storms that can roll in across the high plains in the summer. And sometimes those churches can get beat up from those storms.  Our friend JT is a church administrator in Lubbock who has just weathered one of these vicious stor ..read more

Brad stood in his Ft Worth yard, staring at the recent repairs his home had undergone after a hail storm. He was thankful that everything had been put back together on his roof, fences, windows, and siding on his house. The claim process had gone smoothly and much better than what some of his neighbors experienced who were with different homeowners insurance companies. But he knew he had an insurance issue when he got his renewal documents in the mail this week. Brad needs a more affordable home insurance option. The renewal insurance premiums that he saw on his policy documents are going to ..read more

As the population of Texas has continued to grow over the last few years, the availability of work for contractors has steadily grown as well. It has presented a major opportunity for the hustlers and workers who are great at their craft. Whether you have a gift for painting or are excellent at keeping bugs away, the opportunity to get jobs has grown with each new transplant to this state.  Jorge is an expert locksmith who owns a Waco business and has worked on a lot of remodel projects as a subcontractor while the fixer upper economy has boomed. Despite the fact that Jorge has been work ..read more

No one bats an eyelash when you say COVID changed things for everyone. And Texas churches experienced changes just like everyone else. In a time gone by, churches only thought of broadcasting services via local television or radio. But when folks were asked to take precautions to protect people early on, many churches found live streaming services via YouTube or social media channels as a way to bridge that gap. The churches found out that it was easier to do than first anticipated and it opened up a new way to reach previously unreached Texans. But it also changed potential liability issues ..read more

Denise from Frisco couldn't believe her eyes as she surveyed the aftermath of yet another vicious hailstorm. The siding of her home pocked and the roof battered, memories of the storm damage from last Spring still vivid in her mind. Denise knew that she was going to be faced with the task of filing yet another homeowners insurance claim. As the knot tightened in her stomach, she thought through paying deductible again, the mess of the repair, and the thought of what her insurance provider might do about her rates and policy. She pondered if her insurance company could decide she's too much of ..read more

If you are part of helping with your church finances, you likely are aware of just how crazy the church insurance companies have become over the last two years. Many insurance providers have drastically increased the insurance rates, non-renewed policies, or left the state of Texas altogether. Our friend Robert, who is a part of his Ft Worth church's finance committee, was recently given the task of finding new coverage for their church buildings. They have fallen victim to a non-renewal as one of the big church insurance companies decided to no longer offer property coverage. This had left ..read more

It's no secret that the marketplace for Texas Home Insurance is a giant mess. We receive phone call after phone call of Texas homeowners who have received a renewal on their homeowners policy in the mail wondering what in the world has happened. It appears to most Texans that the homeowners insurance companies have simply lost their minds. The average rate for a policy has gone up 30%, 60%, or even double over the last year. They are changing the coverage terms on basic homeowners policies by making it harder to claim and making claim payments less. George called us last week with concerns n ..read more