Commercial and personal insurance from an office on East Loop 820. Aaron Ameduri Agency LLC, Texas license #3367414.
North Texas sits in one of the most active hail regions in the country, and that single fact shapes almost everything about property insurance here. After several severe seasons, carriers responded the way carriers do. Wind and hail deductibles went up, roof age requirements tightened, and a great many policies were quietly moved from replacement cost to actual cash value on the roof.
That last change is the one that catches people. An actual cash value roof endorsement pays the depreciated value rather than what it costs to put a new roof on. On a fifteen year old roof, the gap between those two numbers can be most of the cost of the job, and it lands on you on top of a deductible that is written as a percentage of the building value rather than a flat amount.
None of that shows up when you compare two premiums side by side. It shows up after a storm.
If your current agent is doing right by you, I will tell you that and get out of your way.
There is a second office in Cleburne serving Johnson County. For commercial accounts I am also licensed in California, Arizona, Washington, Pennsylvania, Minnesota, and Arkansas.
North Texas sits in one of the most active hail regions in the country, and repeated severe hail seasons have driven up property rates across Tarrant County. Carriers have responded by raising wind and hail deductibles, tightening roof age requirements, and moving from replacement cost to actual cash value roof settlements on older roofs. Two policies at the same premium can differ enormously in how they settle a roof claim.
An actual cash value roof endorsement pays the depreciated value of the roof rather than what it costs to replace it. On a fifteen year old roof that can mean a payout far below the replacement cost, with the owner covering the difference on top of the wind and hail deductible. Many Fort Worth policies have been quietly moved to this basis at renewal, and it is one of the first things worth checking on a Texas homeowners policy.
Yes. Commercial property, general liability, commercial auto, workers compensation, umbrella, and trucking coverage are placed through the open market and specialty carriers, with a focus on strip centers, warehouses, mixed-use buildings, contractors, restaurants and retail, and transportation risks in Fort Worth and Tarrant County.