By Kamira LaNay, Correspondent | Texas Metro News

As discussions continue surrounding the Dallas Mavericks’ plans for a new arena in North Dallas, Dallas City Councilman Maxie Johnson says the conversation is about more than basketball; it’s about equity, community investment, and the future of Southern Dallas.

In a recent one-on-one, Johnson expressed concern that the proposed move could worsen longstanding economic and racial divides within the city.

“Moving Dallas north continues the historical racial divide that we have experienced,” Johnson said. “For one of my colleagues to say on social media, ‘Welcome to Fort North Dallas,’ it’s a slap in Southern Dallas’ face.”

The Mavericks recently announced plans to pursue a new arena and entertainment district at the former Valley View Mall site in North Dallas. While city leaders continue discussions about the team’s future, Johnson believes Southern Dallas residents should not be overlooked in the process. “It promotes racial divide,” Johnson said. “It says to the Mavericks, ‘Come on up here. Don’t worry about them.’ And that’s a problem for me. That’s a problem for Southern Dallas.”

Johnson emphasized the longstanding relationship between Southern Dallas and the Mavericks organization, noting that residents have consistently supported the team over the years.

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“When we needed the Mavericks, they were here for us. When the Mavericks needed us, we were here for them,” he said. “We helped get that vote across. Southern Dallas always shows up.”

As uncertainty remains about the team’s future, Johnson said community leaders are continuing to advocate for the Mavericks to remain connected to Dallas. “We’re saying, don’t abandon us,” he said. “We know it’s been ugly, but the people who have made it ugly are not Southern Dallas.”

Johnson also pointed to support from fellow council members and Southern Dallas leaders who have publicly expressed their desire to keep the Mavericks in the city. “We’re saying we want you here,” Johnson said.

When asked what concrete steps city leaders are taking to keep the Mavericks in Dallas, Johnson acknowledged that the City Council still needs to make decisions about downtown development and the team’s long-term home. “The council has to make a decision,” Johnson said. “We have to take care of business. I understand where they’re at. They’re saying they don’t know where they’re going to be in downtown.”

For now, Johnson said city leaders are continuing conversations with the organization while urging the team to remain committed to Dallas. “Don’t leave us,” he said. “We love you. We want you here.”

As negotiations and planning discussions continue, residents and city leaders alike are watching closely to see what decisions will be made and what they could mean for the future economic landscape of Dallas. Kamira LaNay is a 2026 Journalism and Communications graduate of Morgan State University.  She will spend the next year as a Texas Metro News Fellow.

Kamira LaNaye is a 2026 Journalism and Communications graduate of Morgan State University. She will spend the next year as a Texas Metro News Fellow.

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What the insurance industry sees when it looks at your home is why its replacement cost matters more than its market value, and that home upgrades can improve protection or increase coverage needs. Your property’s location also affects more than just your premium; insurers consider how well you maintain your home, too.

The Pew Research Center reports that 71% of American homeowners say their home insurance costs have gone up. Increasing costs can be a huge financial burden, so finding ways to reduce them can provide much-needed relief.

The insurance industry is huge, and they’ve got experience handling property insurance evaluation processes. As a homeowner, you may feel hopeless at times when fighting these giants.

What Does the Insurance Industry See When It Looks at Your Home?

When assessing home insurance, keep in mind that insurers want to protect their bottom line. These are the insurance coverage factors they weigh.

Why Your Home’s Replacement Cost Matters More Than Its Market Value

When homeowners get home insurance, they assume their policy should match what their house could sell for, but insurers evaluate something entirely different: replacement cost. This is the estimated cost to rebuild the home after a total loss, using today’s labor rates and material prices.

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Construction costs can rise rapidly due to:

• Inflation
• Local labor shortages
• Changes in building codes

Insurers also consider the property’s size, layout, roofing materials, custom features, and overall complexity.

Home Upgrades Can Improve Protection or Increase Coverage Needs

Not every renovation affects insurance in the same way. Some upgrades reduce risk, but others increase the home’s rebuilding cost or create additional liabilities.

These installations may lower the chances of future claims:

• New electrical system
• Impact-resistant roof
• Modern plumbing

These can increase the amount of insurance needed:

• Luxury finishes
• Custom cabinetry
• Solar panels
• Detached workshop

Even seemingly minor projects can change your house’s insured value, so keep records of permits, contractor invoices, and before-and-after photos whenever you make home improvements. Sharing these documents with your insurer allows coverage limits to be updated before a loss happens.

Your Property’s Location Influences More Than Just Your Premium

Insurance companies examine more than just your house; they also assess where it’s located. These factors all influence how they evaluate a property:

• Local weather patterns
• Wildfire exposure
• Hail frequency
• Hurricane risk
• Crime statistics
• Proximity of fire departments

Homeowners obviously can’t change their location, but they can often reduce risk through proactive measures, such as:

• Trimming trees away from the house
• Installing storm shutters where appropriate
• Improving exterior lighting
• Reinforcing vulnerable entry points

You should also understand the environmental risks specific to your area. This can help you determine whether optional endorsements or separate policies are worthwhile.

Insurers Also Consider How Well You Maintain Your Home

Your home’s overall condition can influence both insurability and long-term coverage options. Insurers often look at the age and condition of major systems, such as:

• The roof
• HVAC equipment
• Plumbing
• Electrical components

Deferred maintenance can increase the risk of water intrusion and structural issues, and this is concerning for insurers. To mitigate this, have routine inspections, replace aging components before they fail, and keep maintenance records. It’s also wise to create a home inventory with photos or videos of valuable belongings and update it annually.

What Are Red Flags for Insurance Companies?

Insurance companies look for home risk factors that suggest a higher likelihood of future claims or increased repair costs. Common red flags include:

• A history of frequent insurance claims
• Lapses in coverage
• Unpermitted renovations
• Outdated building systems that have exceeded their expected service life

Visible structural issues, poor drainage, or safety hazards may also raise concerns during underwriting or policy renewal.

In addition, discrepancies between the information provided on an application and the property’s actual condition can lead to delays or additional review. You can avoid this by keeping accurate records of repairs, obtaining permits for major projects, addressing maintenance issues promptly, and notifying your insurer when you complete significant improvements.

Frequently Asked Questions

What Are the 5 Cs of Insurance?

The five Cs of insurance explain the key principles that help homeowners choose and maintain the right coverage. Organizations define them slightly differently, but they are generally:

1. Coverage: Types of losses your policy protects against, such as fire, wind, or theft
2. Cost: Includes premiums, deductibles, and any discounts you may qualify for
3. Claims: Measures how efficiently an insurer handles damage reports and payouts
4. Customer service: Reflects the company’s responsiveness and support throughout the policy period
5. Credibility: Considers the insurer’s financial strength, licensing, and reputation for paying valid claims

Evaluating all five factors provides a more complete picture than simply choosing the lowest premium.

What Not To Tell Your Insurance Company?

When you’re filing a homeowners insurance claim, it’s important to provide truthful and accurate information without making assumptions or speculative statements. You should avoid guessing about the cause of damage if it hasn’t yet been determined, as investigations may reveal different findings.

Don’t exaggerate repair costs or claim damaged property that wasn’t actually affected, either. Inaccurate information can delay processing or even result in claim denial.

You should instead document the damage with photos and save receipts for emergency repairs. You should also answer questions based on facts you know firsthand.

What Is the Most Common Damage to Your Home That Insurance Does Not Cover?

One of the most common forms of home damage not covered by standard homeowners insurance is flood damage resulting from rising water outside the home. These things typically require a separate flood insurance policy:

• Heavy rainfall
• Overflowing rivers
• Storm surge
• Flash flooding

Other frequently excluded things are damage caused by:

• Gradual wear and tear
• Deferred maintenance
• Mold resulting from long-term leaks
• Pest infestations
• Foundation settling due to normal aging

This Is What the Insurance Industry Looks For

Getting home insurance can be daunting, especially if you have an older property. By knowing what the insurance industry looks for, though, you can address the red flags and up your chances of getting better coverage at lower prices.

Keep reading our site to see more informative articles.

bpusa-syndication

Posts by bpusa-syndication

What the insurance industry sees when it looks at your home is why its replacement cost matters more than its market value, and that home upgrades can improve protection or increase coverage needs. Your property’s location also affects more than just your premium; insurers consider how well you maintain your home, too.

The Pew Research Center reports that 71% of American homeowners say their home insurance costs have gone up. Increasing costs can be a huge financial burden, so finding ways to reduce them can provide much-needed relief.

The insurance industry is huge, and they’ve got experience handling property insurance evaluation processes. As a homeowner, you may feel hopeless at times when fighting these giants.

What Does the Insurance Industry See When It Looks at Your Home?

When assessing home insurance, keep in mind that insurers want to protect their bottom line. These are the insurance coverage factors they weigh.

Why Your Home’s Replacement Cost Matters More Than Its Market Value

When homeowners get home insurance, they assume their policy should match what their house could sell for, but insurers evaluate something entirely different: replacement cost. This is the estimated cost to rebuild the home after a total loss, using today’s labor rates and material prices.

Construction costs can rise rapidly due to:

• Inflation
• Local labor shortages
• Changes in building codes

Insurers also consider the property’s size, layout, roofing materials, custom features, and overall complexity.

Home Upgrades Can Improve Protection or Increase Coverage Needs

Not every renovation affects insurance in the same way. Some upgrades reduce risk, but others increase the home’s rebuilding cost or create additional liabilities.

These installations may lower the chances of future claims:

• New electrical system
• Impact-resistant roof
• Modern plumbing

These can increase the amount of insurance needed:

• Luxury finishes
• Custom cabinetry
• Solar panels
• Detached workshop

Even seemingly minor projects can change your house’s insured value, so keep records of permits, contractor invoices, and before-and-after photos whenever you make home improvements. Sharing these documents with your insurer allows coverage limits to be updated before a loss happens.

Your Property’s Location Influences More Than Just Your Premium

Insurance companies examine more than just your house; they also assess where it’s located. These factors all influence how they evaluate a property:

• Local weather patterns
• Wildfire exposure
• Hail frequency
• Hurricane risk
• Crime statistics
• Proximity of fire departments

Homeowners obviously can’t change their location, but they can often reduce risk through proactive measures, such as:

• Trimming trees away from the house
• Installing storm shutters where appropriate
• Improving exterior lighting
• Reinforcing vulnerable entry points

You should also understand the environmental risks specific to your area. This can help you determine whether optional endorsements or separate policies are worthwhile.

Insurers Also Consider How Well You Maintain Your Home

Your home’s overall condition can influence both insurability and long-term coverage options. Insurers often look at the age and condition of major systems, such as:

• The roof
• HVAC equipment
• Plumbing
• Electrical components

Deferred maintenance can increase the risk of water intrusion and structural issues, and this is concerning for insurers. To mitigate this, have routine inspections, replace aging components before they fail, and keep maintenance records. It’s also wise to create a home inventory with photos or videos of valuable belongings and update it annually.

What Are Red Flags for Insurance Companies?

Insurance companies look for home risk factors that suggest a higher likelihood of future claims or increased repair costs. Common red flags include:

• A history of frequent insurance claims
• Lapses in coverage
• Unpermitted renovations
• Outdated building systems that have exceeded their expected service life

Visible structural issues, poor drainage, or safety hazards may also raise concerns during underwriting or policy renewal.

In addition, discrepancies between the information provided on an application and the property’s actual condition can lead to delays or additional review. You can avoid this by keeping accurate records of repairs, obtaining permits for major projects, addressing maintenance issues promptly, and notifying your insurer when you complete significant improvements.

Frequently Asked Questions

What Are the 5 Cs of Insurance?

The five Cs of insurance explain the key principles that help homeowners choose and maintain the right coverage. Organizations define them slightly differently, but they are generally:

1. Coverage: Types of losses your policy protects against, such as fire, wind, or theft
2. Cost: Includes premiums, deductibles, and any discounts you may qualify for
3. Claims: Measures how efficiently an insurer handles damage reports and payouts
4. Customer service: Reflects the company’s responsiveness and support throughout the policy period
5. Credibility: Considers the insurer’s financial strength, licensing, and reputation for paying valid claims

Evaluating all five factors provides a more complete picture than simply choosing the lowest premium.

What Not To Tell Your Insurance Company?

When you’re filing a homeowners insurance claim, it’s important to provide truthful and accurate information without making assumptions or speculative statements. You should avoid guessing about the cause of damage if it hasn’t yet been determined, as investigations may reveal different findings.

Don’t exaggerate repair costs or claim damaged property that wasn’t actually affected, either. Inaccurate information can delay processing or even result in claim denial.

You should instead document the damage with photos and save receipts for emergency repairs. You should also answer questions based on facts you know firsthand.

What Is the Most Common Damage to Your Home That Insurance Does Not Cover?

One of the most common forms of home damage not covered by standard homeowners insurance is flood damage resulting from rising water outside the home. These things typically require a separate flood insurance policy:

• Heavy rainfall
• Overflowing rivers
• Storm surge
• Flash flooding

Other frequently excluded things are damage caused by:

• Gradual wear and tear
• Deferred maintenance
• Mold resulting from long-term leaks
• Pest infestations
• Foundation settling due to normal aging

This Is What the Insurance Industry Looks For

Getting home insurance can be daunting, especially if you have an older property. By knowing what the insurance industry looks for, though, you can address the red flags and up your chances of getting better coverage at lower prices.

Keep reading our site to see more informative articles.

bpusa-syndication

Posts by bpusa-syndication