Jared Adams Insurance

08/27/2026

I get asked this constantly: why are premiums so high in DFW right now?

It's not one thing. North Texas sits in one of the most hail-prone regions in the country, and more hail means more roof claims. After every major storm, roofing companies flood the area, which pushes claims frequency up even further, and claims frequency is one of the biggest factors in how carriers price a policy.

On top of that, DFW is one of the fastest-growing metros in the country. More homes competing for the same contractors and materials after a storm means rebuild costs keep climbing too.

None of this means you're stuck overpaying. It means location affects your pricing more than most people realize.

08/25/2026

A client I almost couldn't get on the phone is now one of my easiest.

She was hard to reach, understandably busy, and insurance wasn't high on her list of priorities. I stayed persistent, not pushy, just consistent.

When we finally connected and I reviewed her existing coverage, I found real gaps. Her limits didn't come close to matching what she actually owned or needed, and she was paying more than she needed to for what she had.

We rebuilt her coverage properly. She ended up saving a meaningful amount annually while actually being better protected than before.

She's now one of my easiest clients to work with. She trusts the process, asks good questions, and knows I'll flag anything that needs her attention rather than calling just to check in.

That's the job. Not just writing policies, but actually looking at what's there and being honest about what needs to change.

If it's been a few years since anyone's actually reviewed your coverage line by line, that's usually where the gaps are.

08/21/2026

08/21/2026

Finally smoked my first pork butt last weekend and I have to say, it turned out pretty good for the first try.

I Put it on the new Recteq early that morning at 225 and let it ride until it hit the stall. Wrapped it up, bumped the temp to 275, and pulled it around 201 before letting it rest.

About 8 hours start to finish and definitely learned a few things along the way.

The bark turned out great, pulled apart perfectly, and there wasn't much left by the end of the day.

Safe to say I'm hooked.

Brisket might have to be next.

08/19/2026

People assume umbrella insurance is for people with yachts. It's really for anyone with a house, a car, and something to lose.

If someone is seriously hurt on your property or in an accident you caused, your standard liability limits may not be enough to cover it. That's the gap umbrella coverage is built for, typically starting at $1 million and available in higher limits depending on what you need protected.

Depending on your carrier, you usually need certain minimum limits on your home and auto policies to qualify. Worth a five-minute conversation with your agent.

Ask your agent what limit makes sense for your situation.

08/17/2026

I hear "I have full coverage" almost every week and it tells me nothing about what's actually protected.

Depending on your policy, having liability, collision, and comprehensive still leaves gaps most people don't think about until they need them.

Ask your agent to walk through your declarations page line by line. Takes ten minutes and it's the cheapest insurance homework you'll ever do.

08/14/2026

Most people don't find out their AC isn't covered until it's already dead.

A standard homeowners policy usually treats mechanical or electrical breakdown, your AC unit, furnace, water heater, electrical panel, as wear and tear. Not a covered peril. That surprises a lot of homeowners.

Equipment breakdown coverage is an endorsement that fills that specific gap. It covers sudden mechanical or electrical failure of home systems and major appliances, and depending on the carrier, it often comes with a much lower deductible than the rest of your policy, commonly around $500 instead of your standard deductible.

It's a relatively inexpensive add-on for what it actually covers, and most homeowners have never heard of it.

Ask your agent if it's available on your policy. If it's not on there, ask why not.

08/13/2026

Adding a teenager to your policy isn't just an add-on line, it can shift how the carrier prices the whole household.

Depending on the carrier, this gets calculated differently: some add a flat rate, others reassess the household's overall risk. I've seen premiums move anywhere from a few hundred to a few thousand dollars a year, depending on the carrier, the vehicle, and the driving record.

Before your kid gets their license, talk to your agent about which car to put them on, not just whether they'll be covered. The vehicle matters as much as the driver.

08/11/2026

Quick one for homeowners: the number on your policy isn't what your house would sell for, it's what it would cost to rebuild it. Those are two different numbers, and mixing them up is one of the most common insurance misunderstandings I see.

07/24/2026

Sometimes the best investment you can make is stepping away for a few days to recharge

Last week, I had the opportunity to spend time in Gulf Shores with friends and family. It was a great reminder of how important it is to disconnect from work every once in a while and enjoy the people who matter most.

A week filled with beach days, great food, plenty of laughs, and quality time was exactly the reset I needed. Taking time to recharge helps bring a fresh perspective, renewed energy, and a greater appreciation for the work we get to do each day

Grateful for the memories, the conversations, and the chance to come back refreshed and ready for what’s next

Now it’s time to get back to it