Rates go up with all companies’ year over year. Why?
Construction costs go up.
The # of hailstorms all over Texas. Companies can’t increase individual rates due to catastrophe claims. This means that everyone's rates increase to cover the cost.
Age of home.
Age of roof is older.
Dallas Forth Worth area has some of the most hail in the country.
In a nutshell, when companies pay out more than they brought in, rates will go up.