The Rise of Premiums and Deductibles for Texas Homeowners
By
Reese Arrington
Insurance premiums and deductibles for Texas homeowners have been climbing at an unprecedented pace. Over the past several years, we’ve seen annual premium increases of 20–27%, and early data suggests that by 2025, many Dallas-area homeowners will pay close to double what they were paying just three years ago.
Why Are Roof-Related Insurance Costs Rising?
If your annual premium was $2,500 in 2022, a 25% increase each year would push it to nearly $4,900 by 2025. Rising deductibles are compounding the problem. What used to be a flat $500 deductible has largely shifted to 1% or 2% deductibles—and some policies even have 5% deductibles.
For example, 5% of a $500,000 home value equals $25,000. Considering that asphalt roof replacements for a typical 2,500 sq. ft. home in Dallas cost between $15,000 and $20,000, a storm-damaged roof could leave a homeowner paying the entire amount out of pocket if their deductible is too high.
What Dallas Homeowners Can Do
While insurance costs continue to rise, homeowners do have options:
1. Higher Deductible, Lower Premium
Choosing a higher deductible can reduce your monthly premiums, but it’s important to set aside funds regularly to cover potential storm damage. Dallas weather is unpredictable, and spring hailstorms are a constant threat.
2. Lower Deductible, Higher Premium
If you live further from the urban core, storms often strike harder due to fewer heat island effects. A lower deductible with a slightly higher premium might make sense if your area is prone to hail and wind damage.
3. Deductible Buy Down Policy
Some insurers offer Deductible Buy Down policies—additional coverage from a separate policy that reduces the amount you’ll owe in case of a claim.
Why Roofing Expertise Matters
Understanding how your roof and insurance work together is essential. A poorly maintained roof or neglected inspection could hurt your chances of a successful claim. At Arrington Roofing, we:
Inspect roofs for storm damage and document findings to support insurance claims.
Provide detailed roof replacement estimates that align with local market rates.
Work with homeowners across Dallas, Highland Park, Plano, and surrounding areas to ensure they are not blindsided by coverage gaps.
Be Proactive with Roof Inspections
Before renewing your policy, schedule a free roof inspection. Knowing the condition of your roof—and documenting it—can make a huge difference when filing a claim.
Call Arrington Roofing at (214) 698-8443 for a free inspection and personalized advice on storm preparedness, roof maintenance, and insurance claims.
