Texas Homeowner Loses Insurance Over Hail Risk — What You Can Do to Protect Your Coverage

FORT WORTH, Texas — A Fort Worth homeowner says he was stunned when his insurance company refused to renew his policy — not because of claims or roof damage, but due to the potential risk of future hailstorms.

Homeowner Caught Off Guard

Gary Logan received a letter stating his property was located in an area with “high wind and hail exposure.” Logan, who owns two Fort Worth homes, said the company renewed one policy but canceled the other, despite no claims and a roof in “perfect shape.”

“It’s not like there’s a cloud over our house,” Logan told NBC 5 Responds, pointing out the decision felt arbitrary.

Why It’s Happening

Travelers Insurance explained the decision as part of an industry-wide response to more frequent and severe weather events, rising labor costs, and material shortages.

Rich Johnson of the Insurance Council of Texas noted insurers try to spread out risk: “If they have too many homes in one area, a single hailstorm could mean thousands of costly roof claims.”

In Texas, hail is a major driver of insurance losses. According to the Insurance Information Institute, the state recorded more hail events and tornadoes in 2024 than any other state.

Complaints on the Rise

Data from the Texas Department of Insurance shows nonrenewal complaints more than doubled from 79 in 2023 to 190 in 2024. Already in 2025, at least 75 complaints have been filed.

Consumer advocate Ware Wendell of Texas Watch said, “These big storms aren’t going away. They’re coming faster and more frequently.”

How Homeowners Can Protect Themselves

Experts recommend a combination of home hardening and shopping around:

• Upgrade to impact-resistant shingles or fortified roofing materials
• Explore insurers offering “fortified endorsements” that pay for stronger roofs after a claim
• Regularly shop around for better coverage options
• Use tools like helpinsure.com to compare policy costs and protections
• Start early — insurers must provide 60 days’ notice for nonrenewals on policies bought or renewed in 2024, and 30 days’ notice for older policies

Some states, like Alabama, even offer grants to offset fortified roof costs — a model Texas consumer advocates hope could be adopted locally.

One Silver Lining

After hours of searching, Logan did find new coverage — and at a slightly lower cost. But his story highlights the growing insurance crisis facing homeowners in hail-prone states.

Have you or someone you know had their Texas home insurance dropped due to hail risk? Share your experiences in the comments on SaludaStandard-Sentinel.com.