Median build year 1988, values in the mid-$400Ks, and roofs and systems hitting the wall together. We help owners get fair coverage at the right deductible.
Carrollton sits in a quieter spot than its neighbors: 58.2% single-family detached, 58.6% owner-occupied, with a median build year of 1988. That puts most homes squarely in the aging-stock zone — first or second roof, original or once-replaced HVAC, plumbing eras that vary by subdivision. None of that's unusual; what's unusual is how many policies have drifted out of date as values moved up.
The two questions we open every Carrollton review with: is your dwelling coverage actually equal to what it'd cost to rebuild today, and is your roof being settled at replacement cost or actual cash value? Get those right and the rest is paperwork.
DFW averages 3 to 5 significant hail events per year. The 2023 DFW hailstorms alone produced an estimated $7–10 billion in insured Texas losses (95% from hail), and Texas led the country with 1,123 hail events that year.
Most Texas policies require wind and hail claims to be reported within one year of the storm — check your policy's deadline. On older roofs paid at actual cash value, depreciation can shrink the carrier's payout below the actual repair bill. We model both scenarios at your home's real numbers before you sign.
Most of our clients save $300–$800 a year when we bundle home and auto with the same carrier. For mid-tenure Carrollton households with two cars and a clean loss history, the savings tend to land toward the higher end of that range.
We quote it both ways — bundled and stand-alone — and show you the math. If bundling isn't your best deal, we'll say so.
With home + auto bundled, adding $1 million of umbrella liability typically runs $200–$400 a year. For Carrollton owners with appreciated equity, it's some of the most cost-effective protection on the menu.