Texas Claims Compliance
Key regulatory requirements, correspondence deadlines, and mandated forms for Texas (TX).
Catastrophe-Specific Rules Apply
Texas has catastrophe-specific rules that may modify standard deadlines and require additional consumer notices during declared emergency periods. Check the Disclosures and Research tabs for details.
Quick Reference
Key Deadlines
Requirements
- Mandated Forms
- Catastrophe Rules
- Separate P&C / Life & Health
- Fraud Warning
- Depreciation Notice
- E-Delivery (yes)
Regulatory Authority
Texas Department of Insurance (TDI)
Phone: 800-252-3439; Website: www.tdi.texas.gov; Address: 1601 Congress Avenue, Austin, TX 78701 / PO Box 12030, Austin, TX 78711
Bad Faith: Tex. Ins. Code Chapter 541; 28 Tex. Admin. Code § 21.203
Lines of Business
Key Statutes
- Tex. Ins. Code §§ 542.001 et seq.
- Tex. Ins. Code §§ 541.001 et seq.
- 28 Tex. Admin. Code § 21.203
The Texas Department of Insurance expressly defines unfair claim settlement practices and minimum standards of performance, which feed directly into letter-content checklists and response-timing tools.
Acknowledgment
An insurer must acknowledge a claim within 15 calendar days of notification. The insurer must commence investigation within 15 business days.
Prompt Payment
Texas's Prompt Payment of Claims Act (Chapter 542) requires insurers to accept or reject claims within 15 business days of receiving all required documentation, but in no event more than 45 days from receipt of the claim.
Penalties
Failure to comply triggers statutory interest at 18% per annum on the amount owed, plus reasonable attorney fees.
Applicable Letter Templates
- fnol intakecatastrophe
- denial limitation closurefull denial
- coverage investigationreservation of rights
