The exposure your owners carry is not small.
Hail losses climbed ~41% in four years. 2023–2024 alone produced nearly $9.8B in homeowners hail losses, roughly $4B a year, before a single commercial building or vehicle is counted.
Weather-linked homeowners losses, 2021–2024
~$31B in four years, from just three weather categories, homeowners only. It excludes most commercial losses, uninsured losses, vehicles, agriculture, and business interruption.
This is not "quarter-sized hail."
NWS classifies 1 inch or larger as severe. DFW has repeatedly logged golf-ball to softball hail in a single season. Asking whether a building "had a leak" is not an exterior-risk strategy.
Sources: TDI market overview · NOAA billion-dollar disasters (TX) · NOAA hail record
The traps that quietly gut a claim.
Owners see "insured" and stop looking. Here is what the fine print actually does when the storm hits.
An old roof can be paid $0.
TDI's own example: a $10,000 roof on Actual Cash Value with a $4,000 deductible.
| Roof age | Depreciated value (ACV) | Less deductible | Policy pays |
|---|---|---|---|
| 5 years | $8,500 | $4,000 | $4,500 |
| 10 years | $7,000 | $4,000 | $3,000 |
| 20 years | $4,000 | $4,000 | $0 |
The property is "insured." The owner of the older roof receives nothing.
A "5%" deductible on a $500K building
2% = $10K · 3% = $15K · 5% = $25K. Owners read "5%" like a copay. TDI's example: a 5% ($7,500) deductible pays nothing on $6,500 of hail damage. For commercial, it can apply per building or per location.
Under-valued buildings get penalized
TDI: a home that costs $200K to rebuild but is insured for $120K may have the insurer pay only ~60% of a partial repair, minus the deductible. Commercial coinsurance clauses do the same thing, silently.
Coverage you think you have, but don't
Standard property policies exclude flood. Over half the homes flooded in Hurricane Harvey were outside designated flood zones, paying premiums for years with zero coverage for their most material hazard.
Texas homeowners with no coverage at all
~9.5% of Texas homeowners, more than 1.1 million, carried no homeowners insurance (2022 ACS, TX Comptroller). The point isn't the exact count; it's the scale of unmanaged exposure.
Commercial is 10% of the claims and 44% of the losses.
| Winter Storm Uri (2021) | Claims | Paid losses | Avg. paid |
|---|---|---|---|
| Residential (replacement cost) | 380,532 | $4.13B | ~$17,800 |
| Residential (actual cash value) | 53,603 | $336M | ~$14,200 |
| Commercial property | 44,600 | $3.17B | ~$136,300 |
Sources: TDI ACV vs RCV · TDI deductibles · TDI home guide (flood) · TX Comptroller
Your insurer may already be flying your roofs.
Insurers now scan roofs by drone and AI, then non-renew, in most states with no notice required.
No knock. No letter. No appeal.
A single aerial photo of a worn or stained roof can trigger a non-renewal. If you don't have your own dated documentation, the carrier's image is the only version of the truth.
Paying more for less
Premiums rose ~65% in four years while roofs get shifted to ACV and payment schedules, cosmetic damage gets excluded, and deductibles climb. The Dallas Fed logged a 250% jump in Texas billion-dollar disasters (8 in 2017 to 20 in 2024).
Time is a coverage term
Many Texas property policies contractually shorten the window to file suit on a claim to as little as two years, and undocumented damage is routinely denied later as "pre-existing" or "wear and tear." Waiting doesn't preserve options, it destroys them.
Own the record first
The owner with a dated pre-storm and post-storm condition file controls the claim. The owner without one argues from behind, against the insurer's aerial image and depreciation schedule.
Sources: NPR: aerial imagery & renewals · The Zebra: dropped by drone · DroneXL · Dallas Fed
The U.S. Senate is investigating how insurers handle storm claims.
Chairman Josh Hawley's Homeland Security subcommittee heard victims and whistleblowers testify that major carriers delayed and denied disaster claims. Play these on the screen at your lunch & learn.
If a U.S. Senate committee is investigating claim denials, your owners should assume the burden of proof is on them.
Your owners stay protected. You keep the account.
Storm Shield America is a no-cost exterior-risk program you bring to your owners. It protects their assets, and it makes you the manager who is ahead of the storm instead of the one explaining a denied claim after it.
Keep the doors you manage
Owners fire managers over surprise losses. A documented, proactive exterior program is a real reason to renew with you, year after year.
Something the other firms don't offer
Walk into a pitch with a free storm-and-coverage program already built in. It's a differentiator most Texas PMs can't match.
Not your license on the line
We handle inspection and documentation; licensed agents handle coverage. You get the protection without taking on the exposure.
Free to you and your owners
No fee to add the program. We earn on the restoration work when a real loss happens, which keeps us aligned with keeping your properties healthy.
How the program runs
Exterior baseline
A defensible condition record: roof systems and ages, wall systems, flashings, drains, rooftop equipment, existing damage, with date-stamped photos and annotated roof plans.
Annual exterior health review
New deterioration, deferred maintenance, drainage issues, sealant life, and a remaining-useful-life estimate with 1/3/5-year budget priorities.
Storm-triggered inspection
After a material hail, wind, or freeze event we confirm exposure, compare to baseline, separate new damage from pre-existing, and preserve photos, timestamps, and weather data.
Insurance-alignment review
Plain-language read on building limit vs. replacement cost, RCV vs. ACV, the wind/hail deductible in real dollars, exclusions, flood placement, and coinsurance, questions routed to your licensed agent.
Renewal-readiness report
Delivered 60–90 days before renewal so there's time to correct property data, update roof age, add endorsements, and fix gaps before you sign, not after the loss.
Compliance: Storm Shield America inspects, documents, monitors, and estimates construction work, and identifies policy provisions for the owner. Coverage advice and policy sales are handled by a licensed insurance agent; claim representation by the insured, a licensed public adjuster, or counsel.