Metal roofs are fire-resistant, reflect heat, and can last longer than a standard shingled roof. Click here for information from the Texas Department of Insurance on how a metal roof could affect your insurance coverage.

Personal Liability Insurance covers you against damages arising from bodily injury and property damage, for which you may be legally responsible. Coverage is available for liability involving the use of your property (including swimming pools), the acts of your pets, and unintentional acts by you or qualified family members.

Typically, your home insurance covers a wide range of calamities, including fire, tornadoes, windstorms, lightning, hail, explosions, smoke, theft and vandalism. However, there are some limits on the amount of insurance you have. Be sure to review your coverage and address any coverage concerns with your agent.