Many homeowners don’t realize they’re underinsured until a claim happens. By then, it’s too late.

With rising construction costs in Texas, being underinsured is becoming more common — even for responsible homeowners who thought they had enough coverage.

Real Underinsurance Scenarios

1️⃣ Partial Fire Loss
A home insured for $250,000 actually costs $320,000 to rebuild. The homeowner must cover the difference.

2️⃣ Hail Damage After Inflation Spikes
Material and labor costs rise, but coverage limits stay the same.

3️⃣ Major Interior Loss
Coverage limits don’t match today’s rebuild pricing.

Why This Happens

• Outdated coverage limits

• Inflation and labor costs

• Home improvements not reported

• Policies not reviewed for years

Smart Move

A quick policy review can ensure your coverage matches today’s rebuild costs.

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