Misty Baldwin - Insurance Agent

02/11/2026

I have a ton of clients and friends that can back this up 100%! This video is from my fiance Charles Brogdon's brother, Rodger, the owner of Rooftec. Charles and Rooftec have saved my clients & friends anywhere from $500 up to thousands on their roof. And like Rodger said, things "unheard of" in the industry, like their "Lifetime, no leak guarantee with free annual inspections". You're not going to find that anywhere else and they have an entire service dept, not some fly by night contractors. Contact Charles at 936-444-9577 or you can always reach out to me. If you need a new roof, feel confident about what contractor you choose. I have only met 2 that I'll put my name on the line for, and Rooftec is one of them!

01/09/2025

Hey everyone, I saw some posts and I had a friend reach out to me as well about homeowners insurance carriers cancelling policies before devastating events or specifically, the California wildfires. There seems to be a misunderstanding in that info, so here I am, the Insurance Guru, writing a mini book.
Some insurance carriers had to non-renew policies in certain states/areas due to losses, capacity and financial strength. They had to do this because some were going bankrupt, others because they were no longer profitable and other specific names, because they were losing their "financial strength/stability rating" in early 2024 for a short time. One of the largest names in the business lost their financial rating for a short period of time. In my career, that's mind blowing.
Carrier's financial rating, aka AM Best or Demotech rating for example, is what each insurer is designated to determine it's ability to pay claims made by the amount of policy holders it has; The surplus of financial backing.
It's guidelines they have to meet to be accepted by the housing industry. Mortgage companies usually will not accept insurance carriers who are not A rated or higher, very few allow B that I know of.

Carriers cannot just wake up and decide they want to cancel insurance before an event. There are laws in place with each state that protect you from that.
In Texas, they cannot cancel mid-term (after the post binding period) unless it's for non-payment. You can only be dropped at renewal and even then you're given 30 days advance notice, by mail. Even if you're paperless, cancellation notices in Texas have to also go out by mail. I would be open to say California has similar protocols in place.

While this may seem unfair to the average consumer, there is so much more to the puzzle, including the re-insurance/financial backings of larger entities behind the scenes of every insurer, and for today's situation, "insurance co ___" had to non-renew policies in CA because they temporarily lost their financial rating and the next step after that, is insolvency. They didn't do it the day before, or during, they did it months in advance. Wildfire areas, sure? This is no different than what is happening in Texas in hail/hurricane prone areas with several carriers going bankrupt in 2023, many others having to non-renew in Texas all together to protect from that and then what carriers are left, having to take on rate increases and deductible increases as safeguards.

Don't always believe your Tik Tok Videos, make sure you're receiving real news, not fake.
Insurance lesson of the day.
Love it or Hate it, I don't make the rules, but it's what I do and I'm here to educate and help! 🙂
[email protected]
936.443.4176

10/07/2024

**Today's Claims Tip**'
I'm requoting an existing client coming up for their homeowners renewal and the 1st I've been able to give a financial example on the following:
After Hurricane Beryl, I expressed to clients IF their home policy included the "refrigerated products/goods" spoilage due to power loss only, that it will only cover up to $500 (typically with its own $100 deductible depending on carrier), but then goes on your record as a claim and could potentially impact future rates. I advised only including that as part of a larger loss if necessary. I just watched a homeowner premium increase by $213 per year for their $500 paid out food loss only claim (no deductible for them in this instance). That claim will be on their record for 5 years. Taking that $213 increase into consideration, they'll end up only $287 ahead and still have that increase on there next year.

That's a perfect example of how filing claims for such small amounts isn't really worth it!

12/06/2023

Lots of clients have asked me over the past year to explain this with the way rates are and why... It isn't new, but new as of late 2019 - Contractors...specifically roofers, cannot legally waive or absorb insurance deductibles. Here's a brief, yet good description of why from Texas Department of Insurance
This is why you always here me say its illegal and and/or call them "storm chasing" roofers (door to door knockers) Be weary of that kind of business!
[email protected]
936.443.4176

A new state law makes it clear that it’s illegal for a contractor or roofer to waive an insurance deductible.

09/25/2023

The Insurance market continues to struggle. Sharing to help everyone understand the challenges insurance carriers are facing - regardless of their "name recognition" or size!

Being unprofitable or having too many losses means loss of financial stability, which in turn means financial downgrades in rating, which in turn means more issues in the mortgage industry and insurance

The AM Best financial rating firm has downgraded its outlook for multiple State Farm insurance companies due to weather losses and regulations that the

09/12/2023

I'm sharing this from another agent/group where I was asked if I "could help" someone asking to find lower rates. It pretty much sums up the same convo I seem to have almost every day this year and thought it may be helpful advice and info. I'm adding to it as well with my own input.

**Insurance crisis - Texas is in a full-blown insurance crisis. Due to relentless costly storms and overall claims, carriers are now taking steps to ensure their financial stability is sound. There are multiple news articles and reports stating that TX is only 2nd to Florida in cost and lack of insurability. If you haven't received your 2023 renewals, please prepare yourself that you will most likely see a large premium increase. *as of September, it continues to get worse. Unfortunately, many carriers have stopped writing in Texas all together (especially Harris Co, all coastal areas and even pushing into Montgomery County) and a large majority of available carriers are requiring specific criteria be met. These are only suggestions and only meant to be helpful. You have to make your own decisions.
1. Older roofs are no longer what the carriers want to cover. Most will no longer cover your roof if it's 15 years or older and if they do, it's on an actual cash value basis. Some carriers are even cutting off at 10 years now without pre-inspections or documentation showing 5+ years life left. Always make sure filing a claim is worth it even if it's weather-related. The days of carriers not counting hail, comp, and towing claims are gone, (this includes windshields! And yes, this will raise your rate - don't believe the glass people on the side of the road) Happy to elaborate on why roof age is such an ordeal!
2. You can opt for a 2% or even 3% wind/hail deductible to help keep your rates down. Several of the carriers have already set this as a requirement in coastal or wind prone counties and you likely already have if you're in Harris / Fort Bend Co.
3. Check your policy carefully, ask if the carrier covers SLOW water leaks (not just sudden leaks but slow and hidden ones) and if they have depreciation (Actual cash value/ACV) on the roof. We are seeing new verbiage being slipped into renewals.
4. Get a good agent that can check your rates and make sure you're educated on what you're buying, not just what's cheapest. Then decide from there what's best for you. I've had clients come back to me with "cheaper" options only to find out, they just lost 2 water damage coverages, have triple the deductible, but had no idea that's what they were taking on and was able to work through everything so they could buy what THEY were comfortable with.
5. If you like a quote, Buy IT! It can change in just a days notice. An agent can issue a policy with a future effective date with payment.
6. If you're car shopping be aware that 2017-2019 Kia's and Hyundai's have become difficult to insure due to high theft rates. Some carriers won't insure a Kia of Hyundai for any year or model so it's worth checking with your agent if you're shopping.
7. PLEASE be patient with your agents and staff. We are all 100% exhausted and working as hard as we can for you. (I can assure you of this, as I work on my own for all of my clients - Misty) Be patient on requotes and understand we don't set the rates, they don't ask our opinions, and our insurance is going up as well. Mine went up $70 a month with no new claims (also Misty). Understand that most agents will no longer shop without your prior coverage pages. This is so they can do a comprehensive review and point out what might have changed and because of time consumption. It's in your best interest and ours that will properly examine your coverage.
8. Most carriers are inspecting homes, asking for self-inspections, or doing pre-binding app inspections. If your carrier asks for compliance like taking a picture of a dog, trimming trees, or other items, PLEASE comply!! We are seeing clients cancelled for not complying and then the carrier refuses to reinstate.

I'm adding...
9. If you have a teenager on your auto insurance - boys under the age of 26 or girls under the age of 21, please please PLEASE make sure they understand the consequences of wrecking and being on their cell phone. I am seeing tons of rear-end accident for teenagers, more than I've seen in 19 years of doing this. 1 at fault wreck is costing their parents or them $250+ a month for insurance. I hear it daily, that some people are really struggling to pay insurance for their children.

I am always around if you have questions. Again this is just unsolicited tips and helping prepare people who are questioning what's happening.
Misty Baldwin, Agent
Pinnacle Point Insurance
936-443-4176
[email protected]

05/15/2023

With the way Texas insurance rates are affecting each and every one of us, I'd like to mention something VERY important that the average homeowner doesn't think of. I'm having to requote tons of renewals and I always start by quoting "apples to apples" with what they have now. However, I'm now giving more reduction options due to agents selling inferior products just to make a "sell" versus making sure the client knows if they are protected the way they want to be. I've seen it at least a dozen times over the past couple months, someone emails me to tell me they've found something less - with a company I even sell nonetheless - and tell me they've found a better option. 9 times out of 10 it's because they've gotten a higher deductible, reduced water damage or removing water damage options they had with Co A, that new Co B doesn't offer. It's unfortunate to lose a client to another agency for a identical company/product you can offer as well or even make changes with their existing policy to save but still be better. But, what really is the most aggravating, is that my clients don't even know, they are only looking at a price. Let me HELP YOU! Let me educate you on what you have, what you can remove/add, or what you're buying. Don't wait until it's too late and have a claim or jump ship to save some money without knowing why. I am here to help, not just make that sell. I will tell you if what you're buying is better or why it's less and let you decide.
[email protected]
936.443.4176

05/09/2023

**KIA & Hyundai WARNING** Most people aren't aware and I'm now seeing it impact rates and eligibility! Several auto insurance carriers in Texas are either refusing to insure certain Hyundai and Kia models, declining to provide full coverage or rating up the price if insurable, due to a rising rate of theft. This is caused by the absence of technology known as an engine immobilizer. Many of these vehicles between 2015-2019 didn't come with engine immobilizers in the key fobs. 96% of cars made in the years had immobilizers but only 26% of Hyundai & Kia's had them. Thieves have targeted these autos and are sharing how to steal them on social media as they can be started WITHOUT a key!
I've had 1 Hyundai as of yesterday that was declined and/or rated up by carriers and today, a Kia Sportage declined entirely by 5 large carriers or only offering liability coverage.

Questions? [email protected]
936.443.4176

State Farm and Progressive say rising thefts among certain Hyundai and Kia models mean those looking to ensure those vehicles in some states are out of luck.

01/09/2023

If you have attempted to call or email me today without a reply, my sincerest apologies! My internet, as well as cell service, from Willis to Montgomery area has been completely down most of the day. Intermittent texting is working. I will get back to you ASAP! Just enough data to post this 🙏
936-443-4176

03/25/2022

I've recently had a client that was victim of their Catalytic Converters being stolen from their Toyota Tundra truck while at the movie theater in The Woodlands. Here's an article from the Montgomery County Police Reporter where they caught some local thieves yesterday in the act! Auto insurers will likely not pay for an OEM mechanical part if aftermarket is an option. Some carriers do offer an OEM endorsement to add to your auto insurance.

Here are some of the most common targets:
Ford F-250
Ford Mustang
Honda Accord
Honda CRV
Honda Element
Honda Jazz
Lexus RX & all
Lexus SUVs
Toyota 4Runner
Toyota Auris
Toyota Tacoma
Toyota Tundra

Contact me for questions or info regarding OEM parts, etc.
[email protected]
936.443.4176

Just after 1 is an alert Shenandoah Police Officer happened to see brake lights near a hotel in Shenandoah. As he approached the vehicle tried to speed off with no headlights and the trunk lid open. The officer could clearly see catalytic converters in the trunk. Additional Shenandoah units responde

11/03/2021

Some insurance humor for the day! 😆🦌🚗

Insurance fact: hitting an animal is the only object you can collide with and it falls under your comprehensive damage deductible!

Comprehensive or "other than collision"

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