Newest housing stock in DFW at ~$510K. Falling resale doesn't change what it costs to put your house back up — and the first roof claim is when that lesson lands.
Celina is the newest city we serve — median build year around 2015, mostly first-roof homes at $500K+ values. The unique wrinkle right now is that resale prices have softened, which makes "I should lower my coverage" a common — and wrong — instinct.
Market value and replacement cost aren't the same number. Construction costs, labor, and code upgrades haven't followed the resale market down. The Celina policies we review most often need their dwelling limit re-checked against today's rebuild cost, not last quarter's comp.
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. Newer roofs typically still settle on a replacement-cost basis, but that changes as the roof ages — we model the trajectory before you sign.
Most of our clients save $300–$800 a year when we bundle home and auto with the same carrier. For Celina households with multiple cars, teen drivers, 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 Celina households with $500K+ equity, retirement savings, and teen drivers, it's one of the most efficient protection upgrades on the menu.