DFG Insurance Solutions, Dee Faith Gonzales

06/22/2026

Contractors: Beware of Prior Work Exclusions

🚨 Contractors, before you switch insurance companies to save a few dollars, you need to hear this.

That cheap quote you received may be hiding one of the most dangerous exclusions in the insurance industry: the Prior Work Exclusion.

Here's how it works.

Let's say you've been building, remodeling, roofing, or performing other contracting work for years. You find a new insurance company offering a premium that's significantly lower than everyone else, so you switch and cancel your old policy.

Sounds great, right?

Until a claim comes in from a job you completed before the new policy started.

That's when you find out your new policy has a Prior Work Exclusion, meaning they won't cover claims arising from work completed before the policy's effective date.

Now your old policy is gone.

Your new policy won't cover the claim.

And you're left dealing with attorneys, lawsuits, and potentially thousands—or even hundreds of thousands—of dollars out of pocket.

Why This Matters:

This is exactly why the insurance agent you choose matters.

A good insurance agent doesn't just find the lowest price.

A good agent reviews policy forms, endorsements, exclusions, and coverage details to make sure you're actually protected when a claim happens.

Because the cheapest policy is often the most expensive policy when it doesn't cover the claim.

At DFG Insurance Solutions, we believe contractors deserve more than a low premium—they deserve honest advice and proper coverage.

We take the time to review the fine print, identify dangerous exclusions, and help make sure your business is protected.

Before you switch policies, make sure you're not trading real coverage for a cheaper price.

📞 Call DFG Insurance Solutions today and let us review your coverage before you make a costly mistake.
817-459-2590
www.dfginsurancesolutions.com

DFG Insurance Solutions — Protection First. Price Second. Peace of Mind Always.

06/22/2026

🎥 On Camera:

If you're a homeowner in Texas, you've probably noticed your home insurance premiums have gone through the roof over the last 3 to 4 years.

We're talking about significant rate increases, higher deductibles, and in many cases, reduced coverage options.

So what's causing it?

A big part of it was the inflation that followed COVID. The cost of building materials, labor, and home repairs increased dramatically. On top of that, Texas has experienced severe weather events across the state, leading to billions of dollars in insurance claims.

The good news?

We're starting to see a slight shift in the market.

Fortunately, 2025 was a relatively mild weather year compared to previous years, and insurance companies are beginning to become more competitive again. Some carriers are starting to offer lower rates and better pricing opportunities for qualified homeowners.

However, don't expect everything to go back to the way it was overnight.

Many of the higher deductibles and coverage restrictions that were put in place are likely here for the time being. Insurance companies are still dealing with increased rebuilding costs, and inflation has continued to put pressure on the market.

That's why it's more important than ever to review your policy annually and make sure you're getting the best value for your coverage.

📞 At DFG Insurance Solutions, we shop multiple carriers to help Texas homeowners find the right balance of protection and affordability. 817-459-2590

If it's been more than a year since you've reviewed your homeowners insurance, let's take a look and see if there are better options available for you.

DFG Insurance Solutions — Protecting what matters most while helping you navigate today's insurance market.
www.dfginsurancesolutions.com

06/22/2026

🏡 From your furniture to your electronics, your belongings can add up fast. Do you know what it would cost to replace them if the unexpected happened? Explore your coverage options at https://travl.rs/3S2JB1E.

06/22/2026

IntelliDrive® 365 captures information about driving behaviors like braking, acceleration, speed, time of day, and distraction and rewards safer driving behaviors with savings. Please note, riskier driving behaviors will result in a higher premium. Learn more.

06/22/2026

There are a multitude of ways RV insurance can help protect you.



Contact us at 214-471-4975 or [email protected]

Visit our website at www.dfginsurancesolutions.com

06/21/2026

Have you considered talking to your independent agent about insurance for your jewelry?

Contact us at 214-471-4975 or [email protected]

Visit our website at www.dfginsurancesolutions.com

06/19/2026

Happy Father's Day to all the fathers and father figures who show up with dedication, patience, and purpose.

The day is a chance to honor the dads and father figures who have taught us life lessons, made us laugh, and shown us what dedication looks like.

To those celebrating, being celebrated, or honoring the memory of someone who shaped your journey, we wish you a meaningful day filled with appreciation.

06/19/2026

06/19/2026

Today we're celebrating freedom and liberty!

06/18/2026

Take this brief quiz to learn more about IntelliDrive 365 and basic participation requirements.