Delayed. Lowballed. Confirmed by the State of Texas.
Since January 2023, the Texas Department of Insurance has confirmed 3,999 complaints against homeowners insurers. Two‑thirds were for slow‑walking claims. More than a third cited a lowball settlement offer. And 1,083 of them ended the same way: the carrier paid the homeowner more money. Look yours up.
The headline number on this page is a narrow slice of a very large file. Each step below keeps about a quarter of the one above it.
Bars show each step as a share of the step above, so the filter strength is visible; the counts carry the absolute scale. TDI files one row per party named in a complaint, so these are complaint records — the 17,814 homeowner records cover 16,642 distinct complaints, and the 3,999 confirmed records cover 3,889. Per-carrier counts elsewhere on this page use records, which is the count of complaints naming that carrier.
Look up your carrier
92 insurers with 25+ Texas homeowner complaints since 2023State Farm Lloyds
TDI’s complaint index weighs complaints against business written: 1,468,920 homeowners policies in force in 2025. This carrier draws more complaints than its size predicts.
Since 2023, TDI confirmed 563 complaints against State Farm Lloyds — 1 in 4 of every complaint filed. 166 ended with the homeowner receiving additional money.
The rankings
Click any row to see the full record| Carrier | Confirmed | Complaints filed | Confirmation rate | |
|---|---|---|---|---|
| 1 | State Farm Lloyds | 563 | 2,338 | 24% |
| 2 | Allstate Vehicle And Property Insurance Company | 449 | 2,145 | 21% |
| 3 | American Risk Insurance Company, Inc. | 172 | 599 | 29% |
| 4 | Homesite Insurance Company | 148 | 493 | 30% |
| 5 | Travelers Personal Insurance Company | 93 | 538 | 17% |
| 6 | American Economy Insurance Company | 81 | 444 | 18% |
| 7 | ASI Lloyds | 78 | 339 | 23% |
| 8 | American Bankers Insurance Company of Florida | 75 | 222 | 34% |
| 9 | USAA General Indemnity Company | 72 | 250 | 29% |
| 10 | USAA Casualty Insurance Company | 72 | 249 | 29% |
| 11 | Auto Club Indemnity Company | 72 | 261 | 28% |
| 12 | Ranchers and Farmers Mutual Insurance Company | 63 | 157 | 40% |
| 13 | United Services Automobile Association | 61 | 239 | 26% |
| 14 | Goosehead Insurance Agency, LLC † | 58 | 175 | 33% |
| 15 | Lemonade Insurance Company | 57 | 170 | 34% |
Top 15 by confirmed complaint records. Volume tracks market share — big carriers get more complaints because they write more policies. Switch to complaints per policy for the size-adjusted view. † TDI publishes no homeowners policy count for this respondent — it may be an agency rather than an insurer, or may not write homeowners in Texas under that entity.
The trend
Texas homeowner complaints by month received · through Jun 2026 (Jul is partial)What Texans complain about
Homeowner complaints since 2023 — filed, and what the state confirmedHalf of everything Texas homeowners complain about is a delay — and delay complaints are confirmed at 29%, more than double the rate of denial complaints. When a carrier slow-walks a claim, the state usually finds something. Categories overlap; a complaint can cite several reasons.
How complaints end
Dispositions, homeowner complaints since 2023Methodology
- Source
- Texas Department of Insurance, “Insurance complaints: All data” on the Texas Open Data Portal. Snapshot pulled July 24, 2026; records through July 16, 2026.
- Filters
- Coverage type “Homeowners,” complaints received on or after January 1, 2023, organizational respondents only. Carrier tables include insurers with at least 25 complaints; confirmation-rate rankings require at least 100 to avoid small-sample noise.
- “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.
- Reason categories
- TDI codes each complaint with one or more reasons. “Delays” counts confirmed complaints whose reasons include claims-handling or service delays; “lowball offers” counts reasons that include an unsatisfactory settlement or offer; categories overlap, so shares don’t sum to 100%.
- Dispositions
- How a complaint closed, as coded by TDI. Like reasons, one complaint can carry several dispositions, so shares overlap. “Additional monies received” counts complaints whose disposition includes that outcome, whether or not TDI confirmed the complaint. The coverage-mix figures include all lines of insurance, not just homeowners.
- 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 (2024–2025). The index weighs confirmed complaints against how much business a company writes: 1.0 is average for that size, 2.0 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 is absent for 17 of the 92 respondents on this page — those may be agencies rather than insurers, or may not write homeowners in Texas under that entity — and those rows are marked † and excluded from the complaints-per-policy ranking.
- Records vs. complaints
- TDI files one row per person or organization named in a complaint, so a complaint naming both a carrier and its adjuster appears twice. Counts here are records unless stated otherwise: 302,433 records all-time (286,808 distinct complaints), 76,975 since 2023 (72,847), 17,814 homeowner records (16,642), and 3,999 confirmed (3,889). 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 rate view exists. A complaint record is not a finding of bad faith, and legally distinct affiliates (State Farm Lloyds, Allstate Vehicle & Property, etc.) are reported separately, as TDI reports them.
Why this index exists
The carrier knows its record. Now you do too.
claimOS is the operating system for public adjusters. Every claim you work carries the other side’s public record — confirmed complaints, delay patterns, settlement behavior — ready to cite in your next demand letter.
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