Important Changes to Texas Property Product Offerings

Effective: Immediately

HOA South Carolina Agent,

We’re sharing several important updates to our Texas property product offerings that are now in effect. These changes are designed to support long-term product stability while continuing to offer competitive options for your clients across the state.

Revised TX Homeowners Minimum Wind/Hail Deductible (refer to map):

Tier 1 (Dark Gray) Counties:

• The HO Minimum Wind/Hail deductible remains at 3% of Coverage A for homes older than five years, and 2% of Coverage A for newer homes.
• Andrews, Aransas, Armstrong, Bailey, Baylor, Borden, Brazoria, Briscoe, Calhoun, Callahan, Cameron, Carson, Castro, Chambers, Childress, Cochran, Coke, Coleman, Collingsworth, Concho, Cottle, Crane, Crockett, Crosby, Dallam, Dawson, Deaf Smith, Dickens, Donley, Ector, Fisher, Floyd, Foard, Gaines, Galveston, Garza, Glasscock, Gray, Hale, Hall, Hansford, Hardeman, Hartley, Haskell, Hemphill, Hockley, Howard, Hutchinson, Irion, Jefferson, Jones, Kenedy, Kent, King, Kleberg, Knox, Lamb, Lipscomb, Loving, Lubbock, Lynn, Martin, Matagorda, McCulloch, Midland, Mitchell, Moore, Motley, Nolan, Nueces, Ochiltree, Oldham, Parmer, Pecos, Potter, Randall, Reagan, Refugio, Roberts, Runnels, San Patricio, Schleicher, Scurry, Shackelford, Sherman, Sterling, Stonewall, Sutton, Swisher, Taylor, Terrell, Terry, Throckmorton, Tom Green, Upton, Ward, Wheeler, Wilbarger, Willacy, Winkler, Yoakum.

Tier 2 (Yellow) Counties:

• The HO Minimum Wind/Hail deductible reduced to 2% of Coverage A for homes of all ages.
• Atascosa, Bandera, Bastrop, Bexar, Blanco, Burnet, Caldwell, Comal, Fayette, Gillespie, Guadalupe, Hays, Kendall, Kerr, Lee, Llano, Medina, Travis, Williamson, Wilson.

Remainder of State (Teal):

• The HO Minimum Wind/Hail deductible increased to 3% of Coverage A for homes older than ten years, and 2% of Coverage A for newer homes.

Note: In all counties, the HO minimum AOP deductible remains at 1% of Coverage A.

Additional Product & Underwriting Updates:

• Effective immediately, for quotes where a credit report is not initially run, the best available tier score will now be returned instead of a mid-range score. This may result in quoted premium adjustments after bridging to our system once the credit report is processed.
• Starting November 20, Homeowners of America will implement a premium cap to limit short-term disruptions. This cap will be adjusted as market conditions evolve.

Enhanced Risk Management for Territories 300–305:

To help manage risk concentration and maintain product stability, risks in the following territories will trigger an underwriting review for potential Storm Surge exposure. Please contact your dedicated underwriter if you need assistance while quoting.

Dwelling Fire Product Revision:

Effective immediately, three new endorsements will automatically attach to TDP-3 policies:

• Cosmetic Damage Hail Loss Limitation 
• Functional Replacement Cost Loss Settlement 
• Roof Systems Payment Schedule for Windstorm/Hail Losses 

Please review these endorsements carefully prior to binding. You can view them in the Blank Forms section of PTS.

We understand that some of these changes may require adjustments in your quoting and underwriting process. Our goal is to equip you with the tools and information needed to continue delivering value to your clients while maintaining product integrity.

Feel free to contact your Agency Development & Success Specialist, Agency Relationship Manager, or dedicated Underwriter if you have any questions regarding these changes.

Thank you for your continued partnership.

The Homeowners of America Team