Median build year 2009 means most original roofs are at the carrier inflection point — RCV becomes ACV, and claim checks shrink. We shop the carriers that still write fairly.
Frisco's housing stock is younger than the rest of DFW — median build year around 2009, typical home value around $674K. That sounds like an easy insurance market, and for a while it was. But "2009 build" now means "15-year-old original roof," which is exactly where carriers start to flip roof settlement from replacement cost to actual cash value. The first big hail claim is when a lot of Frisco owners discover that.
The other piece: at $600K+ values, your wind/hail deductible is well into five figures. A 2% deductible on a typical Frisco home is around $13,500 out of pocket before the carrier pays a dollar. Knowing that number — and choosing it deliberately — is most of the conversation.
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 Frisco 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 Frisco households with $600K+ equity, retirement savings, and teen drivers, it's one of the most efficient protection upgrades on the menu.