In The News
Texas Is Entering Peak Hail Season — And Most Homeowners Don’t Understand the Deductible That Could Cost Them Thousands
Texas Is Entering Peak Hail Season — And Most Homeowners Don’t Understand the Deductible That Could Cost Them Thousands

Spring has arrived in Texas, which means the skies are about to get interesting. April and May are historically the most active months for severe hailstorms across the state, and North Texas sits in one of the most active hail corridors in the country. According…
Insurance Companies Just Had Their Best Year in a Decade. So Why Is Your Bill Still Going Up?
Insurance Companies Just Had Their Best Year in a Decade. So Why Is Your Bill Still Going Up?

You opened your homeowners renewal notice. The number went up. Again. Maybe it was 8%. Maybe it was 14%. Either way, your first thought was probably the same as everyone else’s: Who exactly is benefiting from all of this? As it turns out, the answer…
State Farm is in Trump’s crosshairs over LA fires
State Farm is in Trump’s crosshairs over LA fires

LOS ANGELES—State Farm has burnished its reputation as the country’s largest home and auto insurer with its “good neighbor” slogan. President Trump this week offered a different take on the company: “absolutely horrible” and “not there to help!” Trump’s social-media post critical of State Farm…
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Bach Talk
Short term gain, long term pain
Short term gain, long term pain

It clearly serves the best interests of policyholders (consumers), lenders, and our economy generally when property insurance policies cover the cost of replacing destroyed homes and restoring damaged homes to pre-loss condition with as little additional financial burden on the policyholder (beyond the premium they paid)…
Short and long term impacts of the 2025 Los Angeles Wildfires
Short and long term impacts of the 2025 Los Angeles Wildfires

The devastation in Los Angeles is horrific for the impacted home and business owners and a tragically relatable scenario for North Bay residents. This region knows all too well how quickly wildfires can destroy lives and homes, and how fierce winds impair firefighters. Sonoma and…
Bach Talk: Skyfall(out) – Aerial photos impacting property insurance
Bach Talk: Skyfall(out) – Aerial photos impacting property insurance

One of the tools property insurance companies are using to screen potential and existing customers are aerial images captured by satellites and drones of  homes, surroundings and roof conditions.  When the images show damage or hazards, they can trigger a non-renewal or rejected application. This…