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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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No More “Free Roof” or Rebates for Insurance Deductibles

An All Too Common Scenario

Imagine the clouds turning black one day and a storm rolls in. Hail the size of softballs strikes your home or business, damaging the roof. This is unfortunately an all too common occurrence in Texas. Soon enough, a cadre of roofing repair representatives storm your neighborhood offering discounts marketed as “no deductible”, “zero deductible” and even “free roof repair”. If it sounds too good to be true, it probably is!

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Do Businesses Need Terrorism Insurance in Texas?

Many people who don’t own commercial property would be surprised to learn that 60% of American commercial buildings are insured for terrorism. This means many ordinary building owners – not just high-profile targets – are purchasing coverage. In fact, while the country at large was shocked in 2015 by the 14 people killed in San Bernardino, the owner had the foresight to buy terrorism insurance. Since then, more mass shootings and instances of domestic terrorism has affected local communities and businesses.

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Insurance for House Flippers

When you’re buying a house to flip or completely do a gut job, you have different insurance concerns than a house you buy to live in long-term. Many investors forget about the insurance component of a deal when they’re in the heat of the moment and focused on the potential of the property. Whoa, slow down. When is the best time to call your insurer? Before you sign the paperwork!

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Consider This When Buying a House to Flip in Texas

TV shows make flipping houses look fun and easy. Can you really make a lot of money doing this? Yes, it is possible. But only if you have the right skills, knowledge and timing. Choose the wrong fixer upper, and you could lose your entire investment.

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Choosing a Texas Based Insurance Carrier

Texas’ insurance market is the world’s 12th largest based on premium volume, and 400 insurance companies are headquartered in the Lone Star State, according to the Insurance Journal. These range from the very large, such as USAA, to specialty companies, like Tokio Marine, which started out in aviation covering antique warbirds, corporate jets, and even homemade private planes. Just about any kind of insurance coverage you need, you can get from a Texas-based company. But first, some history.

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How Uber, Lyft & Turo May Not Be Insured by Your Auto Policy…

Auto Insurance. You may think of it as a paper stuffed in your glove box that allows you to legally drive in the U.S. That hard copy, though, is actually the contract you made for an exchange of money for coverage. When you purchase car insurance, you are buying security. If damage occurs to your property, health, or others during a collision, theft or natural cause, you have monetary stability because of your auto insurance policy. Or, do you?

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4 Ways to Protect Your Insurance Information When You Need it Most

Hopefully the insurance papers cluttering up your desk are not the only copies. Staying organized and protecting your insurance information is a necessity. Many circumstances require insurance information to be easily accessible at a moment’s notice; natural disasters such as floods, fires, etc. can damage paperwork and affect your claim.

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Company Information

Hettler Insurance Agency
Ron Hettler

4432 S Loop 289
Lubbock, TX 79414

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