Flooding hit Southwest Colorado and the San Luis Valley in late October and early November 2026. Here is what home, flood, and car insurance cover, and the emergency protections the Colorado Division of Insurance has proposed.
Tennessee Public Chapter 1011 sets new insurance rules for delivery drivers starting January 1, 2027. Here are the required limits, the personal policy exclusions, and the steps to take now.
Colorado homeowners now receive a written wildfire risk score notice and can appeal it under House Bill 25-1182. Here is what the notice includes, the deadlines, and how mitigation earns credit.
Insurance News · Texas On October 8, 2026, the Texas Department of Insurance announced that many of the homeowners and auto insurance rate filings it
TDI’s Sept. 29, 2026 notice says Texas insurers cannot decline or nonrenew a home policy only because the house or roof is old. Condition and price can.
Insurance News · Colorado Colorado homeowners have spent years hearing that wildfire is the reason insurance feels expensive. New Division of Insurance data told a
Insurance News · Texas In mid-September 2026, the Texas Department of Insurance pressed home insurers to give meaningful premium discounts to homeowners who harden their
Essential home and auto insurance insights for Texas families—HO and auto checklists plus conceptual bundling.
Texas commercial property coverage options: building, business personal property (BPP), business income, and causes-of-loss forms—with hail/wind framing. Educational only.
Some insurers are reducing Texas writings amid catastrophe and reinsurance pressure. Learn what homeowners see, how to shop, and when FAIR Plan or TWIA fit—without fearmongering.
Educational consumer guide to Texas rules limiting contractor claim negotiation—public adjuster licensing, hail/roof claims, and careful framing of AOB/solicitation restrictions.
Educational steps when a Texas homeowners claim estimate feels low—documentation, adjuster conversations, appraisal, and TDI consumer resources. Not legal advice.
Texas homeowners premiums face pressure from reinsurance, storm and hail losses, rebuild costs, inflation, and litigation/AOB history. Educational overview.
Educational overview of what the Texas Department of Insurance does—licensing, market oversight, consumer assistance, and public resources. Not legal advice.
Texas Insurance News · Winter Storm Uri In late December 2021, more than 100 property insurers filed a subrogation lawsuit in Travis County District Court
A practical walkthrough of the homeowners claims process: safety and notice, documentation, adjusters, additional living expenses, supplements, and realistic timelines.
Hazard insurance is the lender’s nickname for coverage that protects the house. Learn how it maps to modern homeowners forms—and what it usually excludes.
Educational guide to expensive car repair cost drivers in Texas—ADAS calibrations, aluminum structures, EV batteries, and hail/heat.
Antes de reemplazar su techo: entienda RCV vs ACV, deducibles de viento/granizo, matching, contratista y cuándo reclamar. Guía educativa en español.
Choose a Texas insurance agent by verifying TDI licenses, comparing independent vs captive, and asking clear coverage questions—not chasing a “best” ranking.
How to file a complaint against a Texas insurance company: document the claim, try the insurer first, then use TDI’s consumer process. Educational, not legal advice.
Auto · Claims · Collision · Comprehensive · Liability · Uninsured and Underinsured Motorist Common car insurance claims and costs are easier to plan for
Educational historical context for Texas landlords’ flood-risk disclosure duty effective January 1, 2022—and why flood insurance remains separate from HO/DP/renters.
Texas · Homeowners · Claims Education When more than one cause contributes to a property loss—say wind and flood, or a covered peril plus wear-and-tear—Texas
Educational look at why Texas homeowners insurance costs can rise faster than broad inflation—catastrophe losses, reinsurance, rebuild costs, and claims severity.
Educational guide to why insurers deny or adjust car repair estimates—betterment, OEM vs aftermarket parts, labor rates, prior damage, and unrelated damage—with a Texas lean.
Historical TDI context: Winter Storm Uri (Feb 2021) tied to more than 456,000 Texas claims—freeze losses, pipe bursts, and claim readiness. Educational only.
Educational overview for Texas renters facing cost pressure—how rent and insurance interact, what an HO-4 covers, and practical steps when budgets tighten.
Historical context for TDI’s reported ~80% reduction in complaint processing times (FY 2021), plus educational guidance on filing complaints and reading complaint data.
2020-era Texas insurer profit headlines are historical. Learn how underwriting vs investment results work.
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