Independent Property & Casualty · Licensed in Texas & Florida
Texas hail and Florida named storms don't pay out the way most owners think they do. Wirehaired Trust is an independent P&C agency with access to 30+ carriers — admitted and surplus lines — for businesses, property investors, and homeowners across Texas and Florida. We read your declarations page, find where you're exposed, and shop the market to fix it. No pressure, no runaround.
About 2 minutes · No obligation · Commercial & personal lines
The Part Nobody Explains at Binding
Most property owners in Texas and Florida can tell you their deductible in dollars. Very few can tell you what their wind, hail, or named-storm deductible is — and that is the one that shows up after the storm.
Wind and hail in Texas is usually written as a percentage of the insured value — commonly 2% to 5% — not as a flat dollar amount. The percentage applies to your building or dwelling limit, not to the size of the claim.
Building limit$750,000
Wind/hail deductible2%
You pay before the carrier pays$15,000
At 5% on that same building, it's $37,500. Meanwhile the "$2,500 deductible" on the front of your policy only applies to fire, theft, and all other perils. Two different numbers, one policy.
Florida policies carry a separate hurricane or named-storm deductible — commonly 2%, 5%, or 10% of the property limit — that triggers the moment the National Hurricane Center names the system, and stays triggered until well after it passes.
Owners with multiple Florida locations often discover their named-storm deductible applies per building, not per event.
The deductible is only half of it. The endorsements that decide what you actually collect rarely get read out loud:
Where We Do Our Best Work
We write across the full property and casualty market. These six are where Texas and Florida owners get hurt most often — and where carrier selection makes the biggest difference.
Real Estate
Multifamily, industrial and warehouse, retail centers, office, and self-storage — single assets through multi-property portfolios. We build to how the asset operates and what the lender requires.
Contractors
Roofing is one of the hardest classes to place in either state, and most agents simply don't have the markets. We do — including carriers actively writing steep-slope, torch-down, and storm-restoration work.
Short-Term Rental
A standard homeowners policy excludes short-term rental activity. Most STR owners find out at claim time, after the carrier pulls the listing history. We write the exposure correctly the first time.
Personal Lines
Significant assets need a program, not three unrelated policies bought on price. We align home, auto, and umbrella so there are no gaps between them and no surprises underneath them.
Hospitality
Food and beverage operations face intense liability and property exposures. We structure coverage to protect your liquor license, premises, and revenue.
Healthcare
Modern healthcare and aesthetic facilities require specialized underwriting. We align your practice's operations with airtight professional and cyber liability.
Free · Client-Side · Nothing Stored, Nothing Sent
Three things every Texas and Florida owner should run before the next renewal. Each one takes under two minutes and shows the math your declarations page doesn't.
Interactive Calculator
Enter your building or dwelling limit and see what 1%, 2%, 3%, and 5% actually cost you in dollars — per building, per storm — next to the flat deductible on the front of your policy.
Comparison Matrix
Airbnb and Vrbo "host protection" is not a policy you own. Side-by-side: landlord DP-3, platform guarantee, and a dedicated STR form — guest injury, contents, lost income, vacancy.
Deep-Dive Guide
Most GC claims come from subs, and most audit surprises come from missing certificates. The four endorsements, the Chapter 151 anti-indemnity rule, and the COI process that keeps your policy renewable.
We're licensed in Texas and Florida and we write in both every week. Local market knowledge isn't a tagline here — it's the reason we know which carriers still have appetite in your county.
Texas
Hail alley pricing, coastal wind pools, and workers' comp that's optional by statute but mandatory by contract.
Florida
Named-storm layers, coastal capacity limits, and mandatory workers' comp for most employers.
Answer a few questions and a licensed advisor reviews your exposure against 30+ carriers. No pressure, no runaround.
Run Your Coverage DiagnosticCoverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Deductible figures are illustrative examples, not quotes. Availability, eligibility, and pricing vary by state, carrier, and risk. Submitting a request does not bind coverage. Wirehaired Trust is a dba of Pointeriaus, a licensed independent property & casualty insurance agency in Texas and Florida.