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Is Your Lubbock Home or Business In a Floodplain?

Imagine wading through your water-filled home or business finding many of your most cherished and vital possessions waterlogged and forever ruined. Unfortunately, each year many Texans don’t have to imagine this scenario and instead face it head on. Texas consistently has some of the highest fatality rates and property damage costs due to flooding. Let’s face it, next to fire or tornado/hurricane damage there are few things in the insurance world that are worse than a flooded home. And just because your property may be located outside a floodplain doesn’t mean you’re not at risk.

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4 Reasons Lubbock Texas is Dangerous

Steady economic growth, a low cost of living and growing population make Lubbock, TX a great place to call home and live. Over 300,000 people call Lubbock home and the city is expected to grow 7% through 2022. Our diverse economy and job market outpace many other areas of the United States.

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When a Homeowners Policy Increases

Should You Stay or Jump?

Jim and his wife Nancy just celebrated their second year in a beautiful new home. The celebration didn’t last long, however, when the couple discovered their homeowners policy increased 35% versus the previous year! Even worse, the rate hike occurred without any claim activity and very little credit changes.

Maybe you’ve also felt Jim’s pain. It’s an all too common experience for homeowners in the Lone Star state.

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Wildfire Season in West Texas

Wildfire Risk & Getting Insurance

Texas is second only to California as the state most at risk for wildfire, according to analytics company CoreLogic. At least 715,300 Texas residences are at high or extreme risk of wildfire.

A dry environment goes hand in hand with wildfire. West Texas and the Panhandle are receiving less rainfall each year, earning long term drought status. There is a high risk of wildfire affecting Lubbock and surrounding communities during certain months of the year.

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Insuring a Tiny House in Texas

The Tiny House Trend

Most people have heard of the tiny house trend. But just how tiny are these homes? There’s no official definition, but most people consider a house less than 400 square feet as tiny. The average tiny house is only 186 square feet. This includes the living area, bathroom, kitchen and sleeping loft. Compare this to the average American house, which is currently 2,600 square feet, according to The Tiny Life. Tiny houses can be mobile, or set on permanent foundations.

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The Spookiest Halloween Insurance Claims

Halloween is known for bats, vampires, ghosts, witches, candy, and… insurance claims? These can be the spookiest of all. And Halloween is one of the biggest days for the kind of trickery that leads to insurance claims.

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How Will Climate Change Affect Insurance in Texas?

All Texans know that we live in the greatest state on earth. As such, we don’t like to be bothered by problems that divert us from advancing our business, socializing or just relaxing with some Friday night football. So it’s no wonder that many folks don’t want to face the frightening and highly inconvenient problem of climate change. But it’s here, and a spate of recent weather extremes are affecting the insurance industry.

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Company Information

Hettler Insurance Agency
Ron Hettler

4432 S Loop 289
Lubbock, TX 79414

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