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jdowdins

October 2, 2025
jdowdins

Roof Inspections: Catch Problems Before They Get Expensive

From hailstorms to scorching summers, your roof has been through a lot this year. Fall is the perfect time to give it some attention with a professional inspection. Why Roof Inspections Are Essential Your roof protects everything inside your home. Skipping inspections can lead to: Leaks that damage walls, ceilings, and insulation. Structural issues from […]
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September 30, 2025
jdowdins

The Case for Bricking Coverage in Cyber Insurance

Texas business owners — let’s talk about something you may not have on your radar yet: “bricking” attacks, and how the right cyber insurance can save your skin (and your devices). What in the world is “bricking”? In the world of cyber risk, bricking isn’t just a funny word — it refers to a nasty […]
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September 25, 2025
jdowdins

HVAC Tune-Ups: Stay Cozy Without Costly Breakdowns

When the first cool front rolls into Central Texas, you want your heater ready to roll—not sputtering out. Fall is the perfect time for an HVAC tune-up, ensuring your system keeps you comfortable all season long. Why HVAC Maintenance Matters Your HVAC system works hard year-round. Without regular maintenance, small issues can turn into big, […]
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September 23, 2025
jdowdins

Commercial Insurance in Texas: Why Business Interruption Coverage Matters

Running a business in Central Texas—whether you’re in Fredericksburg, Kerrville, Marble Falls, or right here in Canyon Lake—means enjoying the charm of the Hill Country and dealing with Texas-sized risks. From hailstorms to flash floods, wildfires to utility outages, your operations can be shut down in a heartbeat. That’s where Business Interruption Coverage—a key part […]
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September 18, 2025
jdowdins

Gutter Cleaning: Protecting Your Home from Water Damage This Fall

As summer storms fade into crisp Hill Country evenings, your gutters may be hiding leaves, twigs, and other debris. Out of sight, out of mind—until the first big fall rainstorm sends water spilling over the edge. Clogged gutters can send water where it doesn’t belong, like into your roof, siding, or foundation. That’s not just […]
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September 16, 2025
jdowdins

Understanding Roof Coverage Your Home Insurance Should Include

Hey there, fellow Hill Country homeowner—got shingles, tin, or cedar shakes? Your roof is your home’s first line of defense against the blistering Texas sun, dramatic storms, hail, wind, and sudden downpours. Yet many people don’t really understand how their homeowners insurance covers roof damage. Let’s break down the important roof‐related insurance terms so you […]
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September 11, 2025
jdowdins

Why Chimney Cleaning Matters for Central Texas Homeowners

There’s something special about the shift from blazing Texas summers to cooler Hill Country nights. As the long days of summer start winding down, it’s the perfect time to think about your fall home maintenance checklist—and yes, that includes chimney cleaning. Whether you’re in San Marcos, New Braunfels, or tucked away in the backroads of […]
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September 9, 2025
jdowdins

Why Scheduling High-Value Items on Your Homeowners Policy Matters

When you think about your homeowners insurance, you probably imagine the big stuff: your house, furniture, electronics, maybe even your beloved backyard smoker. But what about the small things that pack a big punch in value—like your grandmother’s diamond ring, that custom guitar you saved up for, or a designer handbag collection? Here’s the catch: […]
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September 4, 2025
jdowdins

Management Liability Insurance 101: A Must-Have for Business Leaders

Running a company around the Central Texas Hill Country means juggling ranch meetings, small-town charm, and plenty of responsibility. But there’s one thing you can’t let sit on the back burner: Management Liability Insurance. In today’s litigious and regulation-heavy times, organizations—be they public, private, or nonprofit—face steep risks. From shareholder scrutiny to employee lawsuits, these […]
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September 2, 2025
jdowdins

Hill Country Homeowner’s Guide to Staying Weather-Ready

Hey there, Hill Country homeowners! Whether you’re nestled among the cypress-lined hills near Kerrville or soaking up the relaxed vibe around Blanco, we’ve got a simple — yet savvy — guide to help you rest easy when Mother Nature decides to stir things up. Check Your Coverage — Seriously Before a twister—or even a wild […]
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