Colorado Hail Insurance Costs and Roof Grants
Insurance News · Colorado Colorado homeowners have spent years hearing that wildfire is the reason insurance feels expensive. New Division of Insurance data told a
September 28, 2026
Insurance News
Texas Pushes Discounts for Storm-Hardened Homes
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
September 22, 2026
Essential Home and Auto Insurance Insights for Texas Families
Essential home and auto insurance insights for Texas families—HO and auto checklists plus conceptual bundling without invented fixed-percent savings.
July 17, 2025
Texas Commercial Property Insurance Coverage Option Guide
Texas commercial property coverage options: building, business personal property (BPP), business income, and causes-of-loss forms—with hail/wind framing. Educational only.
July 7, 2025
Insurance Companies Leaving Texas: What Homeowners Can Do
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.
February 21, 2025
Texas Roofing Contractors Can’t Negotiate Claims: Homeowner Guide
Educational consumer guide to Texas rules limiting contractor claim negotiation—public adjuster licensing, hail/roof claims, and careful framing of AOB/solicitation restrictions.
June 29, 2024
What If My Homeowners Insurance Claim Isn’t Paying Enough?
Educational steps when a Texas homeowners claim estimate feels low—documentation, adjuster conversations, appraisal, and TDI consumer resources. Not legal advice.
June 3, 2024
Why Texas Homeowners Insurance Costs Are Rising
Texas homeowners premiums face pressure from reinsurance, storm and hail losses, rebuild costs, inflation, and litigation/AOB history. Educational overview—no invented statewide averages.
May 30, 2024
What Does the Texas Department of Insurance Do?
Educational overview of what the Texas Department of Insurance does—licensing, market oversight, consumer assistance, and public resources. Not legal advice.
May 30, 2024
100 Insurers Sue ERCOT over 2021 Winter Storm Losses
Texas Insurance News · Winter Storm Uri In late December 2021, more than 100 property insurers filed a subrogation lawsuit in Travis County District Court
April 2, 2024
What to Know About the Home Insurance Claims Process
A practical walkthrough of the homeowners claims process: safety and notice, documentation, adjusters, additional living expenses, supplements, and realistic timelines.
September 18, 2023
The History and Meaning of the Term Hazard Insurance
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.
September 17, 2023
Most Expensive Car Repairs and Car Parts in Texas
Educational guide to expensive car repair cost drivers in Texas—ADAS calibrations, aluminum structures, EV batteries, and hail/heat—without invented dollar averages.
August 31, 2023
Lo que debe de saber antes de reemplazar su techo
Antes de reemplazar su techo: entienda RCV vs ACV, deducibles de viento/granizo, matching, contratista y cuándo reclamar. Guía educativa en español.
October 4, 2022
Do I Need Uninsured / Underinsured Motorist Coverage in Texas?
Texas Auto · UM / UIM · First-Party Coverage Most Texas drivers should seriously consider uninsured / underinsured motorist (UM/UIM) coverage—even though it is not
May 4, 2022
How to Choose a Texas Insurance Agent (License & Fit)
Choose a Texas insurance agent by verifying TDI licenses, comparing independent vs captive, and asking clear coverage questions—not chasing a “best” ranking.
May 4, 2022
How to File a Complaint Against a Texas Insurance Company
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.
May 4, 2022
Common Car Insurance Claims and Costs
Auto · Claims · Collision · Comprehensive · Liability · UM/UIM Common car insurance claims and costs are easier to plan for when you separate
January 2, 2022
Texas Landlords Must Disclose Flood Risk to Tenants (Jan 2022)
Educational historical context for Texas landlords’ flood-risk disclosure duty effective January 1, 2022—and why flood insurance remains separate from HO/DP/renters.
January 1, 2022
Concurrent Causation and Segregating Damages in Texas
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
December 31, 2021
Texas Homeowners Insurance Costs Rising Faster than Inflation
Educational look at why Texas homeowners insurance costs can rise faster than broad inflation—catastrophe losses, reinsurance, rebuild costs, and claims severity.
December 30, 2021
Why Car Insurers Deny Your Repair Estimates
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.
November 21, 2021
Texans File 456,000 Claims After the Feb 2021 Winter Storm
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.
September 27, 2021
Texas Renters Facing Increasing Costs
Educational overview for Texas renters facing cost pressure—how rent and insurance interact, what an HO-4 covers, and practical steps when budgets tighten.
September 27, 2021
Texas Lowers Complaint Processing Times by Eighty Percent
Historical context for TDI’s reported ~80% reduction in complaint processing times (FY 2021), plus educational guidance on filing complaints and reading complaint data.
September 27, 2021
How Much Did Texas Insurers Make in 2020? (Historical Context)
2020-era Texas insurer profit headlines are historical. Learn how underwriting vs investment results work—without invented statistics.
September 27, 2021
