Host Ron Wadley of Insurance for Texans explains what managed repair programs mean for Texas churches. Using Teddy, a Waco finance committee member, who discovers “managed repair program” language in a low-premium property proposal as an example. Wadley says these programs, driven by rising Texas weather losses, can reduce premiums but shift control and risk to the church during claims. Unlike standard replacement cost policies where churches choose contractors and approve full restoration with similar kind and quality materials, managed repair programs require using the insurer’s contractor and scope, and prioritize acceptable repairs. These programs let the carrier define replacement costs, potentially causing mismatched materials and funding gaps. He warns savings can become large unrecoverable costs after storms and urges churches to ask hard questions.

Connect with our church insurance team at insurancefortexans.com

Get a FREE copy of our book, The Promise of Certainty, at thepromiseofcertainty.com

00:00 Show Introduction

00:27 Teddy Finds a Catch

01:41 What Managed Repair Means

02:33 How Control Disappears

04:10 The Real Cost of Savings

04:44 How to Protect Your Church

05:32 Resources and Closing