Why You Shouldn’t Wait for a Claim to Review Your Insurance Coverage

Don’t wait for a claim to review your insurance. Here’s why regular policy checkups can save Texas homeowners money and stress.

Why You Shouldn’t Wait for a Claim to Review Your Insurance Coverage

It’s easy to put insurance on the back burner—until something goes wrong. But by then, it might be too late to fix gaps or adjust your coverage.

At McKnight Insurance, we encourage all Texas homeowners and drivers to review their insurance policies before a claim happens, not after. Here’s why staying proactive can protect your wallet, your property, and your peace of mind.

1. Your Coverage Might Be Outdated

Life changes fast. If you haven’t reviewed your policy in the last year or two, it may not reflect your current situation. Common changes that can affect your coverage needs include:

• Renovations or home upgrades
• New vehicles or drivers
• Increased home values or construction costs
• Purchased valuable items (jewelry, electronics, collectibles)

Tip: If your dwelling limit or personal property coverage is too low, you could be stuck paying out of pocket after a loss.

2. You Might Have Coverage Gaps You Don’t Know About

Many people assume their homeowners policy covers everything—but it often excludes things like:

• Flood damage
• Water/sewer backup
• Foundation movement
• Roof wear-and-tear

Reviewing your policy with a licensed agent can help identify these gaps and recommend endorsements that fill them.

3. You Could Be Overpaying

If your policy hasn’t been reviewed in years, you may be missing out on discounts or paying more than you should.

An insurance review can:

• Re-shop your policy with multiple carriers
• Bundle home and auto for savings
• Adjust deductibles to better fit your budget

Note: Even if your rate increased due to inflation, your agent might find another carrier with a better deal.

4. A Claim Is Not the Time to Discover a Problem

The worst time to learn you’re underinsured is when you need to file a claim.

Whether it’s a hailstorm, fire, or auto accident, knowing your deductible, limits, and exclusions before something happens gives you confidence and clarity.

5. Texas Insurance Trends Are Changing Fast

In 2026, insurance companies are tightening underwriting, raising premiums, and increasing scrutiny on claims. Many are also:

• Requiring higher wind/hail deductibles
• Moving toward actual cash value (ACV) on older roofs
• Adding new exclusions

Reviewing your policy now ensures you’re not caught off guard by small print or surprise limitations.

6. You Deserve Coverage That Fits Your Life

Your home, family, and financial goals are unique. Your insurance should reflect that.

A policy review allows your agent to:

• Understand your current needs
• Offer personalized advice
• Recommend smart adjustments

It only takes 15–30 minutes—and it could save you thousands later.

Ready for a Coverage Checkup?

Don’t wait for a hailstorm, accident, or flood to find out your insurance doesn’t cover what you thought it did.

Contact McKnight Insurance to schedule a free policy review with a local, independent agent. We’ll make sure your coverage fits your life—before you need to use it.