Texas gives policyholders the widest choice of weapons: common-law bad faith, Chapter 541 unfair practices, and the Prompt Payment of Claims Act, which charges the insurer interest for every day it sits on your money. Weather claims run on a separate, less generous track.
Three listing slots on this page are available to attorneys licensed in Texas who handle disputes against insurers. Listings are paid advertising sold at a flat monthly rate. They are shown in the order they were purchased. We do not rank, score, endorse or recommend any attorney, and we have not assessed the quality of anyone’s work.
Texas is unusual: it board-certifies attorneys in Insurance Law specifically, so you can verify the specialism rather than take a website's word for it.
Worth checking before you spend money on a lawyer. Two different measures exist, and they are not interchangeable — one is a real payment record, the other is a complaint count.
Health insurers selling on the federal marketplace must report how many claims they received and how many they refused. The figures are public and free to inspect.
The spread is the point. Two insurers selling comparable cover in the same state can refuse wildly different shares of what they are billed for. Look your own up before you assume your refusal was routine.
Source: CMS Transparency in Coverage public use files, plan year 2023 experience. Self-reported by insurers and not audited. Covers federal-marketplace plans only — not employer cover, and not state-run marketplaces. Post-service claims only.
There is no free public figure showing what share of home or auto claims any named insurer pays. Insurers do report it to regulators, but in most states that filing is confidential. Any table you see online quoting payout percentages for property insurers is either a paid commercial product or an estimate.
What is public is the complaint index — how many confirmed complaints a company generates against its share of the market. 1.00 is average. 3.00 means three times the complaints its size would predict.
Complaint indexes are published by state insurance departments and compiled by the NAIC. Figures move with both the company’s complaints and the wider market’s.
Acknowledge the claim and begin investigating within 15 days; accept or reject within 15 business days of receiving everything requested; pay within 5 business days of acceptance. Past 60 days, the insurer is in breach.
Under § 542A.006 an insurer can formally accept responsibility for its own adjuster — and the court must then dismiss the adjuster from the case. It is routinely used to remove the one local defendant and move the case into federal court.
A complaint to the Texas Department of Insurance costs nothing, creates a written record, and sometimes moves a stalled claim on its own. It is not a substitute for legal advice and it does not pause any deadline — but there is rarely a reason not to do it first.
This page is information, not legal advice. Insurance law differs by state and changes often. Nothing here creates a lawyer–client relationship, and no page can tell you whether your own claim is worth pursuing. If a deadline may be close, speak to a lawyer licensed in your state now rather than later — several of the deadlines described here start running on the date of the loss, not the date your claim was refused.
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