A R Schell & Son Insurance Agency

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A R Schell & Son Insurance Agency 95 Year Independent Insurance Agency - Professionally Representing Top Insurance Companies to our Clients All from top-shelf companies.

8 years in the making, The Schell Agency is the oldest independent insurance agency in Collin County. With that history in mind we work hard to build a trusted relationship with our customers. We have clients who have been with us 30, 40 and even 50 years! Our goal is to assist you with your insurance needs the same as if you had been a client for 50 years. We will help you manage and plan for your insurance risks. As professionals, we assess your needs and offer you a variety of insurance products to choose from. With us you will always have multiple coverage options. Service to you, whether it is in response to an insurance claim or a coverage change, is always of the highest priority for us. We strive to make you comfortable and confident in our abilities by acting as your consultant.

While every claim is different, homeowners policies generally include coverage for property damage caused by power outag...
03/11/2026

While every claim is different, homeowners policies generally include coverage for property damage caused by power outages and disruptions.

03/11/2026

Thinking about buying a primary residence, beach house, or short-term vacation rental along the Texas Gulf Coast (Galveston, Corpus Christi, Rockport, Port Aransas, or Brazoria)?

Before you put earnest money down, beware the coastal windstorm trap.

The Coastal Fine Print:
In the 14 first-tier Texas coastal counties (and parts of Harris County), standard homeowners policies completely exclude wind, hurricane, and hail damage.
• To protect your structure, you must obtain a policy through the Texas Windstorm Insurance Association (TWIA) or specialized private wind markets.

The Hidden Gotcha (WPI-8 / WPI-8-E):
To qualify for TWIA windstorm coverage, every roof replacement, exterior siding repair, window upgrade, or structural modification MUST have an official WPI-8 Building Certificate issued by the Texas Department of Insurance (TDI).
❌ If a previous seller replaced the roof using an uncertified roofer who skipped the TDI windstorm inspection...
❌ TWIA and private underwriters will refuse to insure the home for windstorm damage!
❌ You could be locked out of closing your mortgage or forced to pay thousands for an engineer's post-construction inspection (WPI-8-E).

💡 The Insider Fix:
Always make the seller provide certified WPI-8 documentation during your option period. Work with an independent statewide brokerage like Schell Insurance that handles complex coastal windstorm filings, TWIA placements, and private flood insurance across the entire Texas coastline.

Insuring Texas homeowners from the Panhandle to the Gulf Coast since 1930 across all 254 counties.

📞 972-423-4546
🌐 SchellInsurance.com

02/11/2026

If you run a roofing, remodeling, landscaping, plumbing, or electrical business in Texas, beware of the annual audit trap.

You hire 1099 subcontractors or independent crews to help finish busy commercial or residential jobs. You pay them directly and assume their liability is separate from yours.

Then your insurance renewal audit arrives:
Your General Liability or Workers' Comp auditor demands copies of Certificates of Insurance (COIs) for every single subcontractor you paid during the policy year.

❌ If any subcontractor was uninsured or their certificate had lapsed limits...
❌ The insurance carrier automatically reclassifies 100% of their 1099 payments as employee payroll!
❌ You receive a surprise audit endorsement bill demanding $5,000, $15,000, or $30,000+ in retroactive back premiums due immediately.

💡 The Insider Fix:
Never let a subcontractor set foot on a Texas job site without an active, verified Certificate of Insurance naming your company as an Additional Insured with matching limits. As independent commercial risk advisors, Schell Insurance sets up automated subcontractor tracking checklists and shops top contractor underwriters statewide.

Safeguarding Texas builders and trades since 1930 across all 254 counties.

📞 972-423-4546
🌐 SchellInsurance.com

01/11/2026

After a torrential Texas downpour, municipal storm mains and sewer lines get inundated with flood runoff.
Suddenly, dirty wastewater pushes backward into your home through ground-floor showers, tubs, and toilets—ruining hardwood flooring, carpets, and baseboard drywall.

You call your insurance carrier to file an emergency water damage claim.

Here is the devastating policy exclusion:
Standard Texas homeowners policies (HO-3/HO-B) explicitly exclude water that backs up through sewers, drains, or sump pump systems.
• If you do NOT have a specific Water Backup and Sump Discharge Endorsement, your payout is $0.
• Even if you have the endorsement, many captive carriers default to an obsolete $5,000 sub-limit.
• Professional black-water remediation and flooring replacement routinely costs $20,000 to $35,000+!

💡 The Insider Fix:
Ask an independent agent to review your water endorsements today. For just a few dollars a month, Schell Insurance can increase your Water Backup limit to $25,000, $50,000, or full dwelling replacement limits with top Texas underwriters.

Protecting Texas families against flash storms since 1930 across all 254 counties.

📞 972-423-4546
🌐 SchellInsurance.com

31/10/2026

You spent tens of thousands upgrading your Texas home to a beautiful standing-seam metal or designer shingle roof.
Then a classic Texas hailstorm rolls through, pelting your roof with golf-ball-sized hail.

The panels are pockmarked with visible dimples and dents from street view. You file an insurance claim expecting replacement panels.

Then comes the claim denial:
Your insurer points to Endorsement Form HO-170 (Cosmetic Damage Exclusion).
❌ In Texas, if metal panels or architectural shingles still keep water out, dents and dimples are classified as 'purely cosmetic.'
❌ The insurance carrier pays $0.00.
❌ Worse, your home's resale curb appeal takes a permanent hit!

💡 The Insider Fix:
Don't let your carrier quietly insert a cosmetic exclusion at renewal to save a few dollars. Work with an independent broker like Schell Insurance. We can shop underwriters that offer Cosmetic Damage Buyback Endorsements, ensuring hail-dented metal panels and gutters get replaced when severe storms hit.

Guarding Texas properties since 1930 across all 254 counties.

📞 972-423-4546
🌐 SchellInsurance.com

Do you know how to turn off the gas, electricity and water in your home? It’s more important than ever to be ready to re...
30/10/2026

Do you know how to turn off the gas, electricity and water in your home? It’s more important than ever to be ready to respond to natural disasters. Follow these 8 disaster preparedness tips to be ready for anything. Learn more.

30/10/2026

If you own an office building, retail strip, or warehouse in Texas, this hidden commercial clause could cost you tens of thousands of dollars on a claim.

It's called the Coinsurance Clause (typically 80%, 90%, or 100%).

How the trap works:
Suppose you insured your commercial building for $600,000 five years ago. Because Texas construction costs surged, replacing the building today actually costs $1,000,000.
With an 80% coinsurance requirement, you were required to maintain at least $800,000 in coverage.
Because you only carried $600,000, you are underinsured by 25%.

Now a small electrical fire causes $100,000 in repair damages.
You expect insurance to pay $100,000 (minus deductible).
Instead, the carrier applies the penalty formula:
($600,000 carried / $800,000 required) x $100,000 = $75,000 payout.

The insurance company penalizes you $25,000 on a partial claim because your building wasn't properly valued!

💡 The Insider Fix:
Ask Schell Insurance to conduct an updated commercial replacement cost valuation and request an Agreed Value Endorsement, which formally waives the coinsurance clause for the policy year.

Defending Texas commercial enterprises and real estate since 1930 across all 254 counties.

📞 972-423-4546
🌐 SchellInsurance.com

29/10/2026

Welcoming a new rescue dog into your Texas home? Before you bring them through the front door, take five minutes to examine your homeowners declarations page.

Over the past two years, Texas property insurers have quietly tightened Animal Liability Endorsements:
❌ Many captive carriers maintain strict "breed blacklists" (German Shepherds, Rottweilers, Pitbulls, Dobermans, Chow Chows, and mixed breeds). If you own one, they may cancel your policy at renewal.
❌ Other carriers quietly drop an Animal Liability Sub-Limit on your policy—slashing bite liability from your standard $300,000 down to just $25,000.

According to the Insurance Information Institute, the average dog bite liability claim in the U.S. now exceeds $64,000 due to reconstructive surgery and legal fees. If your policy is capped at $25k, you are personally liable for the remaining $39,000+!

💡 The Insider Fix:
Don’t hide your pet from your insurer (that can void coverage for non-disclosure). Instead, work with an independent insurance agency like Schell Insurance. We represent dozens of underwriters who evaluate canine behavior and obedience certifications rather than blanket breed discrimination.

Protecting Texas families and pets since 1930 across all 254 counties.

📞 972-423-4546
🌐 SchellInsurance.com

Address

1001 E 15th Street Ste 100

75074

Opening Hours

Monday 08:30 - 17:00
Tuesday 08:30 - 17:00
Wednesday 08:30 - 17:00
Thursday 08:30 - 17:00
Friday 08:30 - 17:00

Telephone

+19724234546

Website

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