Documented Texas results · Summer 2026
Seven Texas association case studies, a 52% deepest premium reduction, and AM Best A rated or better carrier paper on every placement.
At a glance
The aggregate figure covers six associations, plus more than $100,000 below the incumbent at Forney.
Downloadable results brief
The two-page brief combines the case-study grid, full-community lifecycle, coverage checklist, accountability model, and leadership contacts in one board-ready document.
All seven case studies
Use the summaries below, then open each detailed case for the before-and-after figures and material program changes.
Biggest reduction to date
DFW master-planned community
$942,215$450,874
$491,341
Three property placements consolidated into one $194.6M total-insurable-value program. Wind and hail improved from 4%/$250K to 3%/$100K.
Read the complete case →Highest percentage — renewal displacement
Irving, Texas
$70,602$40,306
$30,296
1,248 units—$24.28 per home per year. The general-liability carrier improved from A−(VIII) to A++(XV) with 50% more aggregate.
Read the complete case →Coverage broadened
Fredericksburg, Texas
$106,947$62,869
$44,078
Equipment breakdown and workers compensation were added—two lines that had been missing from the program entirely.
Read the complete case →Wind restructure
Coastal Texas master community
$12,451$7,438
$5,012
Wind exposure was cut 78%, D&O defense costs moved outside the limit, and all six boat docks were rated.
Read the complete case →Largest dollar savings — portfolio
North Texas ranch community
$535,553$398,198
$137,354
$85M+ total insurable value. The policy-wide wind deductible was restructured to per-building, with a 54% reduction on the buy-down line.
Read the complete case →Six carriers to one tower
East Texas gated community
$335,663$286,859
$48,804
1,800 lots. D&O cost fell 23.5% with two matters already open, and EPLI moved to its own $1M limit.
Read the complete case →Structural gaps closed
Forney, Texas
$100K+
$39.5M total insurable value. A policy-wide wind deductible and blanket water exclusion had left hidden exposure; both were corrected for less.
Read the complete case →Read that last line again
Lower premium with thinner limits is not savings—it is a loss the association has not taken yet. Each of these programs returned with more coverage than it started with.
Biggest reduction to date
Three property placements consolidated into one $194.6M total-insurable-value program. Wind and hail improved from 4%/$250K to 3%/$100K.
| Measure | Before | Rothberg result |
|---|---|---|
| Annual program cost | $942,215 | $450,874 |
| Annual savings | — | $491,341 |
| Premium reduction | — | 52% |
Highest percentage — renewal displacement
1,248 units—$24.28 per home per year. The general-liability carrier improved from A−(VIII) to A++(XV) with 50% more aggregate.
| Measure | Before | Rothberg result |
|---|---|---|
| Annual program cost | $70,602 | $40,306 |
| Annual savings | — | $30,296 |
| Premium reduction | — | 42.9% |
Coverage broadened
Equipment breakdown and workers compensation were added—two lines that had been missing from the program entirely.
| Measure | Before | Rothberg result |
|---|---|---|
| Annual program cost | $106,947 | $62,869 |
| Annual savings | — | $44,078 |
| Premium reduction | — | 41% |
Wind restructure
Wind exposure was cut 78%, D&O defense costs moved outside the limit, and all six boat docks were rated.
| Measure | Before | Rothberg result |
|---|---|---|
| Annual program cost | $12,451 | $7,438 |
| Annual savings | — | $5,012 |
| Premium reduction | — | 40.3% |
Largest dollar savings — portfolio
$85M+ total insurable value. The policy-wide wind deductible was restructured to per-building, with a 54% reduction on the buy-down line.
| Measure | Before | Rothberg result |
|---|---|---|
| Annual program cost | $535,553 | $398,198 |
| Annual savings | — | $137,354 |
| Premium reduction | — | 25.6% |
Six carriers to one tower
1,800 lots. D&O cost fell 23.5% with two matters already open, and EPLI moved to its own $1M limit.
| Measure | Before | Rothberg result |
|---|---|---|
| Annual program cost | $335,663 | $286,859 |
| Annual savings | — | $48,804 |
| Premium reduction | — | 14.5% |
Structural gaps closed
$39.5M total insurable value. A policy-wide wind deductible and blanket water exclusion had left hidden exposure; both were corrected for less.
Additional documented results retained
The Summer 2026 brochure is the featured result set. The previously published League City and DFW comparison examples remain below rather than being removed.
Wind placement corrected
League City, Texas
$71,408
The review identified two high-value structures without wind coverage and a TWIA limit below total insured value, then added wind protection and $400,000 in crime and fidelity coverage.
DFW proposal comparison
Dallas–Fort Worth
$97,846
The published comparison moved the complete annual program from $445,687 to $347,841 while preserving a line-item review of property, general liability, D&O, and wind buy-down.
| DFW coverage component | Incumbent | Rothberg proposal | Difference |
|---|---|---|---|
| Property | $196,763 | $155,155 | $41,608 |
| General liability | $111,120 | $79,577 | $31,543 |
| Directors & officers | $11,357 | $9,542 | $1,815 |
| Wind deductible buy-down | $82,162 | $59,283 | $22,879 |
| Total annual program | $445,687 | $347,841 | $97,846 / 21.9% |
The displayed major components do not independently equal the complete annual program totals. The total row includes additional program components not itemized in this abbreviated public comparison.
Developer and lifecycle outcomes
The association case-study update does not remove the existing lifecycle and development proof points.
How to read the results
Results depend on community characteristics, exposure, loss history, market conditions, underwriting appetite, policy period, carrier terms, and coverage selected.
Case-study figures reflect actual documented results for the referenced client communities during Summer 2026. This material is informational only and does not amend, extend, or alter coverage in any policy. Coverage remains subject to the issued policy’s terms, conditions, limitations, and exclusions.
We will show you what the community is actually buying. A comparison costs nothing and obligates nothing.