Timmons Agency

03/16/2026

Trampoline Rule #1: Make sure your homeowner policy covers the liability of it.

Trampoline Rule #2: Make sure to tie down your trampoline.

🤣😩

02/25/2026

“Why a Brokerage?”

Most insurance agents can only sell you ONE option...

At a brokerage, you get multiple.

That means:
✔️ More pricing options
✔️ Better fit for your risk
✔️ Flexibility at renewal

📍Serving all of North Texas
📲 Message for a FREE review.

07/04/2025

Happy 4th of July from all of us at the Timmons Agency

06/13/2025

A claim IS a claim and in this market it will impact your rate AND your insurability.

Check with your agent BEFORE you file.

04/22/2025

🏠 Texans: These 5 Home Insurance Claims Might Cost You BIG – Are You Covered?

Call 📞 or Text now to find out.

04/20/2025

Happy Easter from the Timmons Agency

04/17/2025

In Observance of Good Friday, our office is closed Friday, April 18th.

See you Monday!

04/09/2025

🏡☀️ **Texas Roof Coverage: What You Need to Know** 🌪️🏚️

Did you know your **home insurance** policy might not cover your roof the way you think it does?

In Texas, where hailstorms, high winds, and extreme heat are common, roof coverage varies *widely* by carrier. Here are a few key things to keep in mind:

🔍 **1. Actual Cash Value (ACV) vs. Replacement Cost**
- **ACV**: Pays for your roof minus depreciation. Older roofs = smaller payouts.
- **Replacement Cost**: Covers the full cost of replacing your roof, no depreciation.

🛠️ **2. Age of Roof Matters**
- Some carriers limit or exclude coverage for roofs over 10 years old.
- Others require proof of recent inspection or maintenance.

🌩️ **3. Hail & Wind Deductibles**
- In many Texas policies, wind/hail claims have *separate deductibles*—often a percentage of your home’s value. That can mean thousands out-of-pocket.

💡 **Pro Tip:** Review your roof coverage every year—especially before storm season hits!

📲 DM us or call 817-541-9777 today for a free policy review!

03/03/2025

Spring in Texas can bring unpredictable weather, from heavy rains to rising temperatures. Here are five essential home maintenance tips to prepare for the season:

1. Inspect and Clean Gutters & Downspouts

Spring storms can bring heavy rain, so ensure your gutters are clear of leaves and debris to prevent water damage and foundation issues. Check downspouts for proper drainage, making sure water flows away from your home's foundation.

2. Check Your Air Conditioning System

Texas heat can hit fast! Schedule an HVAC tune-up to ensure your AC is running efficiently before summer.
Replace air filters and clean vents to improve airflow and indoor air quality.

3. Inspect Roof and Exterior for Storm Damage

Look for missing shingles, cracks, or other damage from winter storms. Trim overhanging tree branches that could pose a risk during strong spring winds.

4. Test and Maintain Irrigation Systems

With rising temperatures, your lawn and garden will need proper watering. Check for leaks, adjust sprinkler heads, and ensure compliance with local watering restrictions.

5. Seal Windows and Doors

Check for drafts and reseal any gaps to improve energy efficiency before summer heat arrives. This helps keep your cooling costs down and prevents pests from sneaking inside.

02/18/2025

Winter ❄️ weather is coming y’all.

Follow the tips below ⬇️ to minimize the impact.

02/11/2025

Key Takeaway: Homeowners insurance premiums, which historically accounted for 7% to 8% of mortgage costs, climbed to 23% last year and are projected to rise by an average of 29.4% over the next 30 years.

An average of 29.4% rise over the next 30 years is expected