Texas Home Insurance and Roofing Insights with Jeff Lund
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Texas Home Insurance and Roofing Insights with Jeff Lund
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概要
Sean interviews Jeff Lund, a former Goosehead Insurance franchise owner who sold his franchise to start an independent brokerage, Better Insurance, to better serve clients. Jeff explains differences between big-name carriers and smaller companies, emphasizing that heavy advertising can raise premiums and that independent brokers can shop multiple carriers and provide consistent service. He highlights common homeowner mistakes: buying policies online without understanding endorsements, limits, water coverage options, and ACV vs RCV, and assuming insurance is one-size-fits-all. They detail how ACV roof claims subtract depreciation, discuss Texas’s hard market, rising premiums and wind/hail deductibles, roof-age limits that can shift coverage to ACV, and the need to review dwelling limits due to inflation. Jeff advises inspecting damage before filing claims to avoid zero-paid claims affecting eligibility, warns against storm chasers, notes cosmetic damage exclusions, and shares steps, coverage items to check, and how to contact him.