[masraum]

Originally Posted by LWJ

I am in the industry. You are correct. ACV sux. Don't do it.

Last time I did anything in Texas there were some counties that had big exclusions for wind damage. Maybe even a total exclusion. I know DFW has a serious hail issue.

Let's start at the beginning. There are two parts to homeowners coverage. 1. Liability. Please make certain that you ALWAYS have this coverage. 2. Property coverage is where your heartburn is. Have your broker explain the different policies to you. The issue is that the perils have changed due to climate change (my opinion, not trying to be political) so that what made money in years past is unprofitable today. California is even more impacted than Texas. I expect my home (which is in a forest) will be burned up if I stay here long enough.

I don't really have a solution for you. The market is getting clobbered and by default, the consumer has to pay.

Good luck. Hopefully your broker can find a solution that isn't horrible.

Thanks for all of the great info and confirming my suspicions.

Yeah, any county that's on the Gulf Coast is screwed as far as windstorm and water. We used to be in one of the coastal counties (within a baseball throw of the county line) and had to have 2 policies. We were about 28 miles from the Gulf Fortunately, we're no where near the coast and are now ~90 miles from the coast, so that's no longer an issue (coastal county windstorm/water coverage).