How a Hail Claim Actually Works in West Texas: Deductibles, ACV vs. RCV, and the Traps in Between
The check shows up a couple of weeks after the storm, and for a lot of West Texas homeowners that’s the moment the confusion starts. The roof estimate said eighteen thousand dollars. The insurance check is for half that. Nothing is necessarily wrong; that’s often exactly how the system was built to work. But nobody…
