Jacobson Insurance & Risk Management

The numbers are hard to ignore: severe convective storms produced more than $51 billion in insured losses in 2025 alone, marking the third consecutive year losses exceeded $50 billion, according to Gallagher Re. From 2005 through 2022, only two years even crossed the $40 billion mark.

Hail alone accounts for as much as 80% of all SCS-related insurance claims, and NOAA recorded 5,430 hail events in 2025. These aren't outlier years. This is the new normal.

Knowing your exposures, and confirming your policy limits actually reflect them, has never been more important.

Reach out if we can help you with a coverage review.

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Imagine this: a fire breaks out two blocks from your shop. You weren't damaged. But the city closes down the street for 4 days while crews work the scene.

No customers in. No revenue.

Standard property insurance? Won't help. The damage wasn't to your building.

Civil authority coverage? That's the one. It's a piece of business interruption coverage that kicks in when the government closes off access to your premises because of damage to nearby property.

Most policies have it built in. But the radius, the waiting period, and the duration limits vary wildly. Worth knowing what's actually in yours.

Want a quick gut-check on your BI coverage? Send us a message.

This Memorial Day, we pause to honor the brave men and women who gave everything in service to our country.

Their sacrifice is the foundation of every freedom we enjoy, including the ability to build businesses, raise families, and pursue what matters most in our communities.

To the families who carry their memory forward, and to the veterans who served alongside them: thank you.

We are forever grateful.

The reinsurance market is shifting toward buyers heading into 2026, and that softening is starting to filter down to commercial property buyers in Texas.

But here is the nuance most articles skip:

It is not a flat discount across the board. Insurers are differentiating sharply between loss-free programs and loss-affected ones. Wildfire-exposed risks are still seeing higher attachment points and stricter terms. Clean accounts are getting rewarded.

If your renewal is in the next 6 months, this is the year to make sure your story is well-documented: maintenance records, risk improvements, claims history, and updated valuations. Underwriters are paying attention to who's prepared.

A softening market is not a good market for everyone. It's a good market for the businesses that can prove they deserve it.

Want help building your renewal narrative? That's what we do.