Plain-language guides to Texas insurance law, your rights as a policyholder, and how to navigate the claims process.
Regulatory body: Texas Department of Insurance
Plain-language guide to homeowners insurance in Texas. Understand dwelling, personal property, liability, and loss of use coverage — and your rights as a policyholder.
State minimum auto insurance requirements in Texas, what liability limits mean for you, and what additional coverages protect you when minimums are not enough.
Texas insurance prompt payment deadlines, penalties for late payment, and what to do when your insurer misses the statutory timeline.
What constitutes insurance bad faith in Texas, the legal standard, and what damages are available when your insurer fails to deal fairly with your claim.
When can your Texas insurer cancel or non-renew your policy? Required notice periods, valid reasons, and what to do if you disagree with the decision.
What loss of use (Coverage D) pays for in Texas, how the necessary increase standard works, and how to maximize your ALE claim.
How replacement cost and actual cash value work in Texas insurance claims, what depreciation means for your payout, and how to recover the full replacement cost.
What a proof of loss is in Texas insurance claims, when you must file one, what happens if you miss the deadline, and how to complete it correctly.
What a public adjuster does in Texas, how they are regulated, what they charge, and when hiring one makes sense for your insurance claim.
How the appraisal clause works in Texas homeowners and property insurance, when you can invoke it, and how the appraisal process resolves disputes over the amount of a loss.
How uninsured and underinsured motorist coverage works in Texas, stacking rules, and what to do when the at-fault driver has no insurance.
What diminution in value is, whether Texas law allows it as part of your auto claim, and how to document your vehicle's lost market value after a collision repair.
What renters insurance covers in Texas, how much personal property protection you need, what liability limits mean, and common renters insurance mistakes to avoid.
What a personal umbrella policy covers in Texas, how it layers over your existing coverage, and who needs umbrella insurance.
Why homeowners insurance does not cover flooding in Texas, how NFIP and private flood insurance work, and what flood zone you are in.
How earthquake insurance works in Texas, what standard policies exclude, and whether earthquake coverage makes sense for your property.
How to request an independent external review of a health insurance denial in Texas, who is eligible, and what the process looks like.
Step-by-step guide to filing a complaint with the Texas insurance department, what the process looks like, and when to escalate beyond the regulatory complaint.
How wind and hail damage claims work in Texas, wind/hail deductibles, and what to do when your insurer's damage assessment falls short.
How to protect yourself from insurance fraud in Texas, what contractor scams look like after disasters, and how to report suspected fraud.