Roof age is still a legal underwriting factor in Texas. What Abbott’s Aug. 24 directive does and does not change, the 60-day non-renewal rule, and what to do now.
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A Texas homeowners policy never covers flood. The NFIP 30-day waiting period, the three exceptions, the $250,000 and $100,000 limits, and the new Dec. 11 deadline.
TDI Bulletin B-0007-26 says pricing on how likely you are to shop is unfairly discriminatory. How to tell whether your renewal increase was built on risk or on loyalty.
Sudden and accidental water damage is usually covered; gradual leaks, flood, and sewer backup usually are not. What Texas policies pay, and the endorsements to add.
Step by step: reporting deadlines, documentation, the 15-day and 5-day rules your insurer must meet under Chapter 542, the two-check process, and disputing a low offer.
A Texas wind and hail deductible is a percentage of your dwelling limit, not of the loss. How it is calculated, why it grows every year, and how to lower it.
How Texas homeowners policies cover roof and hail damage: percentage deductibles, ACV roof schedules, cosmetic exclusions, claim deadlines, and how to lower the cost.
Texas SB 458 created Insurance Code Ch. 1813 for home and auto appraisal, and TDI’s proposed rule adds deadlines and a required notice. What it means for your claim.
A Quiet Rule Change With Real Consequences On July 1, 2026, a federal policy change took effect that directly impacts what homeowners insurance Texas mortgage holders are required to carry….
The Number Nearly half of all homeowners insurance claims filed in Texas in 2024 were closed without a single dollar paid to the policyholder. That is not an estimate. Weiss…
