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Insurance Talk Texas

Insurance Talk Texas

De: AR Schell & Son Agency
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Insurance Talk Texas is the go-to podcast for anyone looking to understand the ever-changing world of insurance across the Lone Star State. Hosted in partnership with AR Schell & Son Agency—Collin County's oldest independent insurance agency, serving Texans since 1930—this show brings expert insights, practical advice, and real-world stories to help individuals, families, and businesses make informed insurance decisions.

Each episode breaks down complex topics like auto, home, business, and life insurance into easy-to-understand conversations, while also covering emerging issues like flood coverage, liability protection, and risk management in Texas’s unique climate and economy.

Whether you’re a first-time policyholder, a small business owner, or simply curious about how insurance impacts your life, Insurance Talk Texas delivers the knowledge you need—with local expertise you can trust.

Be sure to visit AR Schell & Son Agency at https://schellinsurance.com for all your Texas insurance needs!
Episodios
  • After the Storm: What North Texas Homeowners Must Know About Hail Claims, Deductibles & Contractor Fraud | Insurance Talk Texas

    After the Storm: What North Texas Homeowners Must Know About Hail Claims, Deductibles & Contractor Fraud | Insurance Talk Texas
    Apr 10 2026
    Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions.The storm has cleared — now what? Most North Texas homeowners know that spring means hail and wind. But what happens in the hours and days after a storm can determine whether your insurance claim gets paid or gets closed without a dime. In this episode of Insurance Talk Texas, we break down exactly what to do after a storm hits, how to protect yourself from contractor fraud, how to understand what your wind and hail deductible actually means for your wallet, and what to do if your insurer denies or underpays your claim. This is the episode you want to hear before the next storm rolls through your neighborhood — because being informed in advance is the only real protection you have going into the claims process. When the adjuster knocks, you want to be ready.North Texas sits in one of the most active hail corridors in the country. April and May are historically the peak months for severe storm activity across the DFW metroplex and Collin County. With nearly half of Texas home insurance claims closing without any payout, understanding the claims process is no longer optional — it is essential. Schell Insurance, serving Frisco, McKinney, Plano, Prosper, Allen, and all of Collin and Denton County, helps North Texas homeowners navigate every step of this process from the moment the storm passes to the day repairs are complete.WHAT YOU'LL LEARN IN THIS EPISODE:How to document storm damage correctly in the first 24 to 48 hours and why it makes or breaks your claim with the adjusterWhat to do before, during, and after the insurance adjuster's inspection of your propertyHow storm chaser contractors operate in North Texas and how to identify the red flags before you sign anything or let anyone on your roofWhy offering to waive your deductible is specifically illegal under Texas law and what it means for your claim if a contractor proposes itWhy roofing contractors in Texas are not required to be licensed by the state and exactly how to verify a contractor's credentials before you hire themThe wind and hail deductible reality: why a 2% deductible on a $400,000 home means $8,000 out of pocket before your insurance pays anything — and why it has nothing to do with the cost of the repairs themselvesThe critical difference between replacement cost and actual cash value roof coverage, and why many North Texas policies quietly converted to actual cash value at renewal without homeowners noticingHow to decide whether a claim is worth filing at all, and why calling your Schell Insurance agent first can protect you from a rate impact you did not see comingWhat to do if your claim is denied or the payout is far lower than you expected, including the Texas appraisal process and filing a formal complaint with the Texas Department of InsuranceWHO THIS EPISODE IS FOR:Homeowners in Frisco, McKinney, Plano, Prosper, Allen, and across Collin County and Denton County who want to understand the claims process before the next storm hits their neighborhoodAnyone who has filed a storm damage claim in Texas and felt confused, overwhelmed, or like the process was stacked against them as a homeownerNorth Texas homeowners who have not reviewed their policy recently and want to confirm whether their coverage actually reflects what they believe they haveWHY SCHELL INSURANCE:Schell Insurance is an independent North Texas insurance agency with deep experience in the Collin County and Denton County markets. As an independent agency, they work with multiple carriers to find coverage that genuinely fits your home, your neighborhood, and your actual risk profile. They are not a call center — they are your neighbors, and they understand the North Texas storm environment from years of helping local homeowners through exactly these situations.Whether you need help understanding a claim outcome, reviewing your wind and hail deductible before storm season peaks, checking whether you have replacement cost or actual cash value on your roof, or completing a full policy review, Schell Insurance is the team built for North Texas homeowners.Contact Schell Insurance:Phone: (972) 423-4546Website: https://schellinsurance.comServing: Frisco, McKinney, Plano, Prosper, Allen, Collin County, Denton County, and the greater DFW metroplex#InsuranceTalkTexas #TexasInsurance #HailDamage #StormDamage #HomeownersInsurance #NorthTexas #CollinCounty #DentonCounty #Frisco #McKinney #Plano #Prosper #Allen #SchellInsurance #HailSeason #WindHailDeductible #InsuranceClaim #StormChasers #TexasHail #RoofDamage #InsuranceTips #DFWInsurance #TexasHomeowners #HailAlley #StormSeason #SpringStormSeason #HailInsurance #TexasStorms #InsuranceEducation #DFWHomeowners
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    6 m
  • Distracted Driving & Your Auto Insurance: What Every Texas Driver Must Know | Insurance Talk Texas

    Distracted Driving & Your Auto Insurance: What Every Texas Driver Must Know | Insurance Talk Texas
    Apr 1 2026
    Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions.April is Distracted Driving Awareness Month — and if you're behind the wheel anywhere in North Texas, this episode is one you absolutely can't afford to skip. This week on Insurance Talk Texas, we're pulling back the curtain on how distracted driving directly impacts your auto insurance rates, your driving record, and your long-term financial protection. This isn't just a traffic safety conversation. This is about your wallet.Here's something most Texas drivers don't realize: a single distracted driving citation can raise your auto insurance premium by an average of 21 to 27 percent — and that surcharge can follow you on your policy for up to three years. Think about that. One glance at your phone. One text message sent at a red light. That's all it takes to trigger a rate increase that could cost you hundreds of dollars extra every year at renewal. And if that distracted moment leads to an accident, the financial consequences multiply fast. When insurers see a distracted driving violation on your motor vehicle record, they reassess your risk profile at renewal — and drivers with violations can find themselves pushed into higher-cost pricing tiers or losing access to preferred-carrier programs entirely. Multiple violations compound the problem further and can affect your long-term insurability.The problem is enormous right here in North Texas. Distracted driving causes over 2,500 crashes annually in Collin County alone, resulting in roughly 10 fatalities per year. Statewide, the Texas Department of Transportation reports that driver distraction is a contributing factor in nearly one in five crashes — resulting in 373 deaths and more than 2,500 serious injuries in 2024. Nationally, distracted driving causes over 3,275 fatalities per year and more than 300,000 injuries, and experts believe the true toll is significantly higher due to underreporting. High-traffic corridors including US Highway 75, the Dallas North Tollway, the Sam Rayburn Tollway, and Interstate 35E through Denton County see distracted driving incidents every single day. With DFW ranking as one of the fastest-growing metro areas in the entire country, traffic volume and distraction risk keep climbing year after year.Under Texas law, House Bill 62 — also known as the Alex Brown Memorial Act — prohibits sending or reading electronic messages while operating a moving vehicle. Drivers under 18 face a complete ban on all cell phone use behind the wheel during their first six months of driving. All drivers of any age are prohibited from using any handheld device in active school zones. First-time violations carry fines between $25 and $99. If a distracted driver causes serious injury or death, the offense escalates to a Class A misdemeanor — fines up to $4,000 and up to one year in jail. Beyond the legal penalties, an at-fault accident caused while driving distracted can expose you to personal liability that far exceeds your coverage limits, resulting in years of elevated premiums or policy non-renewal.That's exactly why working with a trusted independent insurance agency like Schell Insurance is so valuable for North Texas drivers. When a violation or accident changes your risk profile, an independent agent can shop multiple carriers on your behalf to find the most competitive pricing available — because different insurers treat the same driving violation very differently. One carrier may surcharge heavily, while another offers more favorable underwriting terms. Without an agent like Schell Insurance comparing your options, you'd have no way of knowing what you're leaving on the table at renewal time.Schell Insurance also helps North Texas drivers explore telematics and usage-based insurance programs — a powerful and often overlooked strategy for drivers who've received violations. These programs monitor driving behavior through a mobile app or plug-in device, and demonstrating safe driving during the monitored period can help offset future rate increases. Schell Insurance can walk you through whether it makes sense for your specific situation and coverage needs.Schell Insurance proudly serves drivers across Frisco, McKinney, Plano, Prosper, Allen, and all of Collin County and Denton County. Call (972) 423-4546 or visit https://schellinsurance.com — that's S-C-H-E-L-L insurance dot com — to review your coverage and get a personalized quote today.#DistractedDriving #TexasAutoInsurance #InsuranceTalkTexas #SchellInsurance #NorthTexasInsurance #CollinCounty #DentonCounty #FriscoTX #McKinneyTX #PlanoTX #TextingAndDriving #TexasDrivers #DFWInsurance #AutoInsuranceTips #TexasInsurance #CarInsuranceTexas #SafeDriving #HandsFreeDriving #DistractedDrivingAwarenessMonth #InsuranceEducation #HB62 #AlexBrownMemorialAct #NorthTexasDrivers #IndependentInsuranceAgent #...
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    11 m
  • 3 New Texas Insurance Laws in 2026 That Every Homeowner and Driver Needs to Know

    3 New Texas Insurance Laws in 2026 That Every Homeowner and Driver Needs to Know
    Mar 27 2026
    DESCRIPTION: Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions.Did you know the Texas Legislature quietly handed every homeowner and driver in the state three powerful new rights at the start of 2026 — and most Texans have no idea they even exist? In this episode of Insurance Talk Texas, we break down the full package of consumer-protective insurance laws that took effect January 1, 2026, and explain exactly how to use each one to protect your coverage, fight a lowball claim settlement, and potentially lower your insurance premium today. If you own a home or drive a car in North Texas, this is essential listening.WHAT YOU WILL LEARN IN THIS EPISODE:The Texas 89th Legislature passed one of the most consumer-protective insurance reform packages in state history. Three laws are changing the game for every North Texas homeowner and driver in 2026 — and understanding them could save you real money or protect your claim when it matters most.HOUSE BILL 2067 — YOUR RIGHT TO KNOW WHY YOUR COVERAGE WAS DROPPED: Under HB 2067, effective January 1, 2026, insurance companies must now automatically give you a written explanation any time they decline, cancel, or choose not to renew your home or auto insurance — without you having to formally request it. The law also requires insurers to report their reasons for nonrenewals by ZIP code to the Texas Department of Insurance, which will publish that aggregated data publicly starting in April 2026. Collin County and Denton County neighborhoods being quietly dropped by carriers will no longer be invisible to consumers or regulators.SENATE BILL 458 — YOUR RIGHT TO CHALLENGE A LOWBALL CLAIM SETTLEMENT: Before SB 458 took effect, many Texas insurers had quietly removed appraisal clauses from their policies, leaving you with no realistic option but expensive litigation if you disagreed with a damage estimate. That practice is now illegal. All personal auto and residential property insurance policies issued or renewed after January 1, 2026 must include a binding appraisal provision. If your adjuster hands you a number that feels too low after a hailstorm or collision, you now have a structured, legally protected path to challenge that estimate — without going straight to court. You select a licensed appraiser, your insurer selects one, and if they cannot agree, a neutral umpire makes the binding call. The process is faster, far less expensive than litigation, and now your legal right on every covered personal policy in Texas.SENATE BILL 1644 — YOUR RIGHT TO A LOWER RATE AS YOUR CREDIT IMPROVES: Credit scoring has long shaped Texas insurance premiums, and a credit hit from years ago — a job loss, a medical emergency, a divorce — could inflate your rates indefinitely even after full financial recovery. SB 1644 closes that loophole. Insurers who use credit scoring must now review and update your credit report at least every three years and adjust your premium accordingly. If your credit has improved, your insurer is now legally required to recognize it and re-rate your policy. You can also proactively request a credit re-rating once every twelve months at renewal.WHY SPRING 2026 IS THE MOMENT TO ACT: The ZIP code level nonrenewal data required under HB 2067 begins flowing to TDI in April 2026, making the North Texas market far more transparent. Right now, before peak spring hail season, is the ideal time to review your policy, confirm your appraisal rights, and ask Schell Insurance whether your premium reflects your current credit profile.ABOUT SCHELL INSURANCE: Schell Insurance is an independent North Texas insurance agency serving homeowners, drivers, and business owners across Collin County, Denton County, and the greater DFW metroplex, including Frisco, McKinney, Plano, Prosper, and Allen. As an independent agency, Schell Insurance works with multiple top-rated carriers to find the right coverage at the right price. Call (972) 423-4546 or visit https://schellinsurance.com.ABOUT INSURANCE TALK TEXAS: Insurance Talk Texas is a weekly educational podcast and YouTube series for North Texas homeowners, drivers, and families navigating the Texas insurance landscape. Produced in partnership with Schell Insurance, your trusted independent North Texas insurance agency.CONTACT SCHELL INSURANCE: Phone: (972) 423-4546 Website: https://schellinsurance.com Serving Frisco, McKinney, Plano, Prosper, Allen, and all of Collin and Denton County.#TexasInsurance #InsuranceTalkTexas #SchellInsurance #NorthTexasInsurance #HB2067 #SB458 #SB1644 #TexasInsuranceLaw #DFWInsurance #CollinCounty #DentonCounty #HomeownersInsurance #AutoInsurance #InsuranceRights #TexasConsumers #FriscoTX #McKinneyTX #PlanoTX #ProsperTX #InsuranceAppraisal #CreditScore #InsuranceReform #TexasLaw #InsuranceEducation #PropertyInsurance #ClaimDispute #InsuranceTips #NorthTexas #TexasFamilies #...
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    7 m
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