Host Ron Wadley of Insurance for Texans explains how Texas churches are facing not only rising property insurance premiums but also higher, often non-negotiable wind and hail deductibles. He uses the story of a Fort Worth church that discovered a 5% deductible on their church’s roof. He notes insurers use higher deductibles to manage frequent storm losses. Risk purchasing groups typically trade lower premiums for greater deductible exposure because they are built for catastrophic claims instead of small claims. Wadley describes deductible buydown policies as a separate coverage that can reduce practical out-of-pocket costs while keeping the main policy’s lower premium. He also emphasizes stewardship through handling minor repairs internally, limiting claim frequency, and working with a church insurance specialist to understand policy consequences.

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00:00 Show Introduction

00:28 Deductibles Rising

00:33 Fort Worth Case Study

01:06 The 5 Percent Shock

01:44 Why Deductibles Climb

02:24 Risk Groups Tradeoffs

02:54 Minimum Deductibles

03:12 Deductible Buydown

04:04 Claims Stewardship Plan

04:43 Get Expert Help

05:20 Next Steps and Closing