West Texas homeowners know our weather can shift fast this time of year. One calm afternoon can turn into high winds, hail, and heavy rain by evening. Spring storm season in Midland and Odessa isn’t just a possibility — it’s a yearly reality.

At Killebrew Insurance, one of the most common questions we hear is:

“Is my home insurance actually ready for storm season?”

Let’s walk through five smart insurance moves homeowners make in March before storms start rolling through.

1) Review Your Wind & Hail Deductible

Many West Texas policies now carry percentage deductibles for wind and hail. That means your out-of-pocket cost is based on your home’s insured value, not a flat dollar amount.

For example, a 2% deductible on a $300,000 home equals $6,000 out of pocket before insurance pays.

The Texas Department of Insurance notes that many homeowners are surprised by how these deductibles work when a claim happens. Understanding yours ahead of time prevents surprises later.

2) Confirm Your Roof Coverage Type

Do you have Replacement Cost Value (RCV) or Actual Cash Value (ACV) on your roof?

RCV helps cover the cost to replace your roof with similar materials.
ACV factors in depreciation and may pay less.

Many homeowners don’t realize their roof settlement basis changed at renewal. March is a smart time to double-check.

3) Document Your Home’s Current Condition

Take photos of:

• Roof
• Fencing
• Exterior
• HVAC units
• Windows

The Insurance Institute for Business & Home Safety (IBHS) emphasizes that documentation helps support smoother claims handling after storms.

We often see claims move faster when homeowners have “before storm” photos.

4) Verify Your Home Is Properly Insured for Rebuild Costs

Construction costs have risen significantly in Texas over recent years. Labor and materials are more expensive than many homeowners realize.

If your coverage hasn’t been reviewed in a while, your home may be underinsured for today’s rebuild prices.

FEMA consistently reminds homeowners that insurance should reflect current rebuild costs, not market value.

5) Schedule a Policy Review

A 10–15 minute review can catch:

• Coverage gaps
• Deductible surprises
• Endorsement needs
• Outdated limits

Many West Texas homeowners tell us they feel more confident heading into storm season after a simple review.

Frequently Asked Questions

Is wind and hail coverage required in Texas?

It’s not legally required, but lenders often require it and it’s critical in West Texas.

Does my deductible apply per storm?

Yes, typically per claim.

Can I change coverage mid-policy?

Sometimes, depending on timing and carrier rules.

How do I know what coverage I have?

Check your declarations page or ask your agent.

Is the cheapest policy always best?

Not when it leaves you underinsured during hail season.

Local Trust

Killebrew Insurance works with families across Midland and Odessa every day. We’ve seen firsthand how preparation before storm season leads to better claim outcomes and less stress.

If you’d like a quick policy review or second opinion:

Midland: 432-694-0508
Odessa: 432-332-6322
www.killebrewinsurance.com

No pressure — just clarity.

Insurance doesn’t have to be complicated when you work with a local agency that understands West Texas weather.