Delayed. Lowballed. Confirmed by the State of Texas.

Every respondent with 25 or more Texas homeowner complaint records since 2023. Confirmed is the count TDI substantiated; per policy is TDI’s own complaint index, where 1.00× is average for a book that size, and it is the only column here that carrier size does not distort. A ~ marks a figure computed off too little to be stable — fewer than 100 records for a rate, or fewer than 25,000policies in force for an index. Cite the counts on those, not the percentage, and they sort below the solid figures in either direction. “n/a” means TDI publishes no usable homeowners policy count for that respondent, which is not the same as a clean record. Days to close is the mean from receipt to close; the statewide median is 70.

TDI tags every complaint with the issues behind it. Sorted by how often the state sided with the homeowner, those tags separate sharply — a depreciation complaint is confirmed 32% of the time, foundation only 13%. The money items — depreciation withheld, loss of use unpaid — are where the regulator is most often persuaded.

Tags overlap — one complaint can carry several — and TDI records them on 78% of homeowner complaints, so every count here is a floor. Issues under 300 complaints are omitted.

A rising complaint count proves nothing on its own, and carriers are right to say so — a bad hail year produces more of everything. So measure the complaints against the money. Texas insurers paid $56.6 billion on homeowner claims from 2019 to 2025 — about $22 million a day, every day, for seven years. Against that yardstick, complaints the state confirmed have risen 154%, from 55.2 per billion paid to 140.1.

The year that settles it is 2021. Winter Storm Uri is the costliest year on this file and the only one where burst pipes outran wind — and it is also the calmest year on this measure, at just 35.5 confirmed complaints per billion paid. Carriers absorbed a historic catastrophe with fewer confirmed complaints per dollar than any year before or since. Whatever has changed since, it is not the weather.

Losses come from TDI's homeowners losses by county file, which excludes renters, condo and dwelling policies, and excludes all wind and hail written by the Texas Windstorm Insurance Association in the 14 coastal counties. The complaint count is statewide, so a heavy coastal year reads slightly hot against a denominator that leaves the coast out. The seven-year move is far larger than that gap, but no single year should be read as exact.

Delay is both the most-cited reason on the file and among the most-confirmed. When a carrier slow-walks a claim, the state usually finds something. Categories overlap; a complaint can cite several reasons.

Source

Texas Department of Insurance, “Insurance complaints: All data” on the Texas Open Data Portal. Snapshot pulled August 3, 2026; complaint records received through July 21, 2026. The full file holds 303,001 records across every line of insurance going back to 2011; this page uses only the homeowners slice described below.

Filters

Coverage type “Homeowners,” complaints received on or after January 1, 2023, and respondents that are organizations. That last filter matters: TDI also names individual agents and adjusters as respondents, and a page about insurers should not count a complaint against a named person. Every figure on this page — the headline included — uses exactly this filter, so a reader can reproduce it against the raw dataset. Carrier listings require 25 records; rates computed off fewer than 100 are marked as noisy.

“Confirmed”

TDI’s own flag, applied when the agency’s review substantiates the issue raised in the complaint. A filed complaint is an allegation; a confirmed complaint is the regulator agreeing with it. It is not a finding of bad faith, a court judgment, or a sanction.

Grouping

Carriers are grouped by TDI’s respondent id, not by name. The file carries several spellings of some companies, and name grouping silently splits a carrier in two. Legally distinct affiliates — State Farm Lloyds and State Farm Fire and Casualty, for instance — stay separate, because TDI reports them separately and they are separate companies.

Issue tags

TDI tags complaints with the issues behind them (roof, hail, water damage, depreciation, appraisal, and so on). Tags are present on 78% of homeowner records and overlap freely, so tag counts are floors rather than totals.

Complaints per policy (TDI complaint index)

From a second TDI dataset, “Complaint indexes and policy counts for insurance companies”, homeowners line, most recent year published per company, joined on the same respondent id. The index weighs confirmed complaints against how much business a company writes: 1.00× is average for that size, 2.00× is twice the complaints its book predicts. It is the fairest single measure here because it removes company size, and it is TDI’s own calculation. It covers its index year alone, not the full window. It is absent for respondents TDI publishes no homeowners policy count for — agencies, or companies not writing homeowners under that entity — and absence is not evidence of a clean record.

Complaints per dollar paid

From a third TDI source, the “Texas homeowners losses by county” file, drawn from the Texas Statistical Plan for Residential Risks. It gives paid losses by county and year from 2019 to 2025 — $56.6 billion in total — which is the denominator for the friction measure above. It excludes renters, condo and dwelling policies, and it excludes all wind and hail written by the Texas Windstorm Insurance Association in the 14 coastal counties. The complaint numerator is statewide and includes the coast, so the ratio reads slightly hot in a heavy coastal year; the 7-year move is an order of magnitude larger than that gap, but no single year is exact. There is no carrier column in the loss file and no county column in the complaint file, so the two join on a year and never on a row — nothing here is a carrier-by-county figure.

Records vs. complaints

TDI files one row per party named in a complaint, so a complaint naming both a carrier and its adjuster appears twice. Counts here are records unless stated otherwise: 17,191 homeowner records covering 16,578 distinct complaints, and 3,777 confirmed records covering 3,731. For a single carrier the record count is the meaningful one — it counts the complaints naming that carrier.

Caveats

Complaint volume tracks market size — big carriers get more complaints because they write more policies — which is why the per-policy column exists. TDI backfills: records are still being added for recent months, so the most recent months on the trend chart will rise. This page reports public regulatory records and draws no legal conclusions about any carrier.