Brian Hall

A Texas roof takes a beating. Hail, wind-driven debris, hard rain, and sudden temperature swings can turn a standard roof into an expensive weak spot. That is why many homeowners ask about impact-resistant roofing credits when it is time to replace shingles or compare insurance options. The idea sounds simple. Install a tougher roof, then get a discount on homeowners insurance. In practice, the details matter. The roofing product, installation paperwork, insurance company rules, policy...

If you've noticed the term "FORTIFIED roof" popping up more often lately, you're not imagining it. Texas is part of a fast-growing, nationwide movement toward stronger, more storm-resilient homes — and the numbers behind it are genuinely encouraging. A National Milestone In May 2026, the Insurance Institute for Business & Home Safety (IBHS) — the nonprofit research group behind the FORTIFIED construction standard — announced that more than 100,000 homes and buildings across the country now...

For the past several years, opening a car insurance renewal notice in Texas meant bracing for bad news. Between 2020 and 2025, the average cost of auto coverage in the state climbed roughly 61%, among the steepest increases in the country. That run is over. Heading through 2026, multiple data sources confirm the same story: Texas auto insurance has shifted from a "hard market" of relentless hikes to something much closer to stability — and in some cases, real savings. From 23.8% Spikes to...