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Texas Carrier Complaint Index/Allstate Fire and Casualty Insurance Company

Texas Department of Insurance record

Allstate Fire and Casualty Insurance Company

Texans filed 142 homeowner complaints against Allstate Fire and Casualty Insurance Company between January 1, 2023 and July 15, 2026. The state reviewed them and agreed with the homeowner 25 times. Across all 142, 17 ended with the carrier paying the homeowner more money — 2 of them complaints the state had confirmed.

25
complaints confirmed by TDI
17.6%
of complaints confirmed · 4.3 points below the statewide average.
1.36×
complaints per policy vs. average (2025)
17
of all 142 complaints ended with additional money paid

TDI weighs complaints against business written: 28,917 homeowners policies in force in 2025. This carrier draws more complaints than its size predicts. The index covers that year alone; the complaint counts on this page cover the whole window since 2023.

What these complaints were about

TDI issue tags and confirmed reasons
Issue tags across all 142 complaints
Adjuster's handling71 · 14 confirmed
Roof55 · 9 confirmed
Hail40 · 8 confirmed
Water damage30 · 2 confirmed
Damage dispute20 · 5 confirmed
Wind18 · 1 confirmed
Plumbing11 · 2 confirmed
Appraisal11 · 4 confirmed
Tags overlap and TDI records them on about 78% of complaints, so these are floors.
How the 25 confirmed complaints closed
Information furnished16 · 64%
Corrective action taken15 · 60%
Claim settled12 · 48%
Contract language / legal issue7 · 28%
Additional Payment Expected4 · 16%
Appraisal Process Invoked2 · 8%
Additional monies received2 · 8%
Premium Refunded2 · 8%
One complaint can close with several dispositions, so shares overlap. Median time from filing to close: 70 days, against 71 statewide.

By year

Complaints received · 2026 is partial
202354 filed · 11 confirmed
202430 filed · 5 confirmed
202543 filed · 5 confirmed
202615 filed · 4 confirmed

The records

120 most recent of 142 · confirmed rows shaded
ReceivedClosedTDI verdictWhat the complaint was aboutHow it closed
Jun 16, 2026Jul 20, 2026
34 days		Confirmed
Claim service & handlingDelay — claims handlingHailWindAppraisal
Corrective action takenAppraisal Process InvokedAdditional Payment Expected
May 28, 2026Jun 15, 2026
18 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputeMoldAdjuster's handling
Company position upheldAdditional monies receivedContract language / legal issue
May 26, 2026Jun 15, 2026
20 days		Not confirmed
CancellationAdjuster's handling
Contract language / legal issue
May 22, 2026Jun 30, 2026
39 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialRoofHailAdjuster's handling
Company position upheldQuestion of factContract language / legal issue
May 19, 2026Jun 26, 2026
38 days		Not confirmed
Misleading Advertising
Company position upheldContract language / legal issueInformation furnished
May 15, 2026Jun 9, 2026
25 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damagePlumbingMoldAdjuster's handling
Additional monies receivedCorrective action takenContract language / legal issue
May 7, 2026Jun 10, 2026
34 days		Not confirmed
Claim service & handlingClaim denialWater damageWindDeductibleAdjuster's handling
Question of factCompany position upheld
Apr 27, 2026May 21, 2026
24 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWindAppraisalAdjuster's handling
Contract language / legal issueInformation furnished
Apr 27, 2026May 21, 2026
24 days		Not confirmed
Policyholder serviceNon-RenewalRoof
Contract language / legal issueCompany position upheldQuestion of fact
Apr 16, 2026May 6, 2026
20 days		Not confirmed
Policyholder servicePremium & ratingRefund of premium
Contract language / legal issueQuestion of fact
Apr 13, 2026May 1, 2026
18 days		Not confirmed
Policyholder serviceMisleading AdvertisingPremium & rating
Information furnishedContract language / legal issueCompany position upheld
Feb 20, 2026Mar 31, 2026
39 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damagePlumbingAdjuster's handling
Contract language / legal issueCompany position upheldQuestion of fact
Feb 4, 2026Mar 4, 2026
28 days		Not confirmed
Cancellation
Company position upheldContract language / legal issue
Jan 20, 2026Mar 20, 2026
59 days		Confirmed
CancellationPolicyholder serviceAdjuster's handling
Cancellation WithdrawnInformation furnishedCorrective action taken
Jan 13, 2026Mar 16, 2026
62 days		Confirmed
Use Of Clue Reports
Corrective action takenInformation furnished
Dec 5, 2025Jan 13, 2026
39 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailDamage disputeAdjuster's handling
Corrective action takenClaim settled
Nov 12, 2025Feb 4, 2026
84 days		Not confirmed
Unsatisfactory settlement or offerAdjuster's handling
Contract language / legal issueCompany position upheldQuestion of fact
Oct 30, 2025Jan 21, 2026
83 days		Not confirmed
Claim service & handlingDelay — claims handlingPolicy ExclusionUnsatisfactory settlement or offerRoofWater damageDamage disputeAdjuster's handling
Question of factContract language / legal issueCompany position upheld
Oct 14, 2025Jan 21, 2026
99 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damageAdjuster's handling
Information furnishedQuestion of factClaim settled
Oct 3, 2025Dec 19, 2025
77 days		Not confirmed
Cancellation
Contract language / legal issue
Sep 30, 2025Dec 1, 2025
62 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailWater damageDamage dispute
Information furnishedContract language / legal issueCompany position upheld
Sep 22, 2025Jan 13, 2026
113 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Question of factCompany position upheld
Sep 15, 2025Jan 5, 2026
112 days		Not confirmed
Claim service & handlingDelay — claims handlingAppraisalAdjuster's handling
Information furnishedAppraisal Process Invoked
Sep 11, 2025Jan 13, 2026
124 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerAdjuster's handling
Company position upheldContract language / legal issueInformation furnished
Sep 2, 2025Jan 2, 2026
122 days		Not confirmed
Claim service & handlingDelay — claims handling
Information furnishedContract language / legal issueCompany position upheld
Aug 26, 2025Jan 2, 2026
129 days		Not confirmed
Delay — claims handlingRoofAdjuster's handling
Company position upheldContract language / legal issue
Aug 18, 2025Jan 12, 2026
147 days		Not confirmed
Use of Credit Reports
Information furnished
Aug 15, 2025Dec 12, 2025
119 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerLoss of use
Information furnishedCompany position upheldContract language / legal issue
Aug 11, 2025Oct 14, 2025
64 days		Not confirmed
Delay — policyholder service
Question of factInformation furnishedPremium Refunded
Jul 30, 2025Nov 18, 2025
111 days		Not confirmed
Claim service & handlingPolicyholder serviceDelay — claims handlingDelay — policyholder serviceDepreciation
Additional monies receivedInformation furnished
Jul 28, 2025Oct 29, 2025
93 days		Not confirmed
Unsatisfactory settlement or offerRoofHailWindDamage disputeAdjuster's handling
Question of factCompany position upheldContract language / legal issue
Jul 28, 2025Dec 9, 2025
134 days		Not confirmed
CancellationPolicyholder serviceDelay — policyholder serviceRoof
Question of factContract language / legal issueAdditional monies received
Jul 25, 2025Oct 29, 2025
96 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerHailDamage disputeAdjuster's handling
Contract language / legal issueClaim settledInformation furnished
Jul 25, 2025Nov 26, 2025
124 days		Confirmed
Claim service & handlingPolicyholder serviceDelay — claims handlingDelay — policyholder service
Information furnishedCorrective action taken
Jul 11, 2025Nov 7, 2025
119 days		Not confirmed
Claim denialPolicy ExclusionWater damagePlumbingFoundationAdjuster's handling
Question of factContract language / legal issue
Jul 7, 2025Nov 20, 2025
136 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerDamage disputeAppraisalAdjuster's handling
Additional Payment ExpectedQuestion of factContract language / legal issue
Jun 30, 2025Oct 27, 2025
119 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerAdjuster's handling
Claim settledInformation furnished
Jun 26, 2025Aug 28, 2025
63 days		Not confirmed
Claim service & handlingClaim denialWater damage
Contract language / legal issueCompany position upheldQuestion of fact
Jun 19, 2025Nov 20, 2025
154 days		Not confirmed
Claim service & handlingRoofWindAdjuster's handling
Additional Payment ExpectedInformation furnishedCompany position upheld
Jun 16, 2025Jul 25, 2025
39 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofAdjuster's handling
Information furnishedClaim settledContract language / legal issue
Jun 11, 2025Aug 18, 2025
68 days		Not confirmed
Claim service & handlingClaim denialAdjuster's handling
Contract language / legal issueQuestion of fact
Jun 9, 2025Aug 19, 2025
71 days		Not confirmed
Claim denial
Company position upheldInformation furnished
Jun 4, 2025Sep 30, 2025
118 days		Not confirmed
Delay — claims handlingRoofWind
Information furnishedContract language / legal issueClaim settled
Jun 3, 2025Jun 4, 2025
1 days		Not confirmed
Unsatisfactory settlement or offerRoofHailDepreciation
Record Only
May 27, 2025Jul 18, 2025
52 days		Not confirmed
Post-Claim Underwriting
Complaint WithdrawnCompany position upheld
May 20, 2025Sep 17, 2025
120 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialRoofWindDamage disputeAdjuster's handling
Information furnishedContract language / legal issueCompany position upheld
May 7, 2025Sep 11, 2025
127 days		Not confirmed
Use of Credit Reports
Company position upheldInformation furnishedQuestion of fact
Apr 25, 2025Sep 2, 2025
130 days		Not confirmed
Premium & ratingRefund of premium
Information furnishedContract language / legal issue
Apr 24, 2025Jun 25, 2025
62 days		Not confirmed
Notice RequirementsUse Of Clue Reports
Information furnished
Apr 14, 2025May 20, 2025
36 days		Not confirmed
Unsatisfactory settlement or offerAdjuster's handling
Information furnishedContract language / legal issueQuestion of fact
Mar 31, 2025May 13, 2025
43 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damageAppraisalAdjuster's handling
Additional monies receivedContract language / legal issueInformation furnished
Mar 26, 2025Jul 23, 2025
119 days		Not confirmed
Unsatisfactory settlement or offerRoofHailWindDamage dispute
Contract language / legal issueQuestion of factCompany position upheld
Mar 18, 2025Apr 23, 2025
36 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofWindDamage disputeAdjuster's handling
Question of factAdditional monies receivedInformation furnished
Mar 18, 2025Jun 3, 2025
77 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailAdjuster's handling
Company position upheldClaim settled
Mar 17, 2025Mar 28, 2025
11 days		Not confirmed
Premium & rating
Information furnishedCompany position upheldContract language / legal issue
Mar 4, 2025Jun 10, 2025
98 days		Not confirmed
Misleading Advertising
Question of factInformation furnished
Mar 3, 2025Mar 31, 2025
28 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damageDeductibleAppraisalAdjuster's handling
Contract language / legal issueInformation furnishedCompany position upheld
Feb 5, 2025Jun 16, 2025
131 days		Not confirmed
Unsatisfactory settlement or offerRoof
Company position upheldQuestion of factContract language / legal issue
Nov 14, 2024Feb 10, 2025
88 days		Confirmed
Delay — claims handlingUnsatisfactory settlement or offerAppraisal
Claim settledInformation furnished
Oct 10, 2024Nov 8, 2024
29 days		Not confirmed
Use of Credit Reports
Question of factInformation furnished
Sep 16, 2024Jan 28, 2025
134 days		Not confirmed
Unsatisfactory settlement or offerRoofHailWater damage
Information furnishedContract language / legal issueCompany position upheld
Sep 9, 2024Sep 24, 2024
15 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofWater damageWindAdjuster's handling
Question of factInformation furnishedClaim settled
Aug 12, 2024Apr 21, 2025
252 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofWindDamage disputeAdjuster's handling
Question of factCompany position upheldClaim settled
Aug 6, 2024Oct 28, 2024
83 days		Confirmed
Policyholder serviceRefund of premium
Information furnishedPremium Refunded
Jul 23, 2024Oct 11, 2024
80 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damageWind
Question of factCompany position upheldContract language / legal issue
Jul 15, 2024Nov 7, 2024
115 days		Confirmed
Claim denialRoofHailAdjuster's handling
Additional monies receivedCorrective action takenAdditional Payment Expected
Jul 3, 2024Oct 10, 2024
99 days		Not confirmed
Unsatisfactory settlement or offerRoofHail
Question of factInformation furnishedContract language / legal issue
Jun 26, 2024Aug 30, 2024
65 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWindDamage disputeAdjuster's handling
Claim settledQuestion of factInformation furnished
Jun 24, 2024Dec 9, 2024
168 days		Not confirmed
Use of Credit Reports
Information furnishedInsufficient Information
Jun 20, 2024Aug 22, 2024
63 days		Not confirmed
Delay — claims handlingWater damageAdjuster's handling
Question of factAdditional Payment ExpectedContract language / legal issue
Jun 18, 2024Sep 26, 2024
100 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWindDeductible
Company position upheldContract language / legal issueInformation furnished
Jun 5, 2024Aug 23, 2024
79 days		Not confirmed
Unsatisfactory settlement or offerRoofHailDamage dispute
Contract language / legal issueInformation furnishedCompany position upheld
Jun 3, 2024Sep 13, 2024
102 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWindDeductibleDepreciationAdjuster's handling
Contract language / legal issueCompany position upheldInformation furnished
May 20, 2024Sep 5, 2024
108 days		Not confirmed
Policyholder serviceOther
Company position upheldInformation furnished
May 9, 2024Aug 5, 2024
88 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerRoofHailWindAppraisalAdjuster's handling
Claim settledInformation furnishedContract language / legal issue
Apr 29, 2024Jul 17, 2024
79 days		Not confirmed
Claim service & handlingWindAdjuster's handling
Information furnishedAdditional monies received
Apr 22, 2024Jun 17, 2024
56 days		Not confirmed
Refund of premium
Information furnishedCompany position upheld
Apr 5, 2024Jul 18, 2024
104 days		Confirmed
Premium & ratingRefund of premium
Premium RefundedCorrective action taken
Apr 3, 2024Jul 9, 2024
97 days		Not confirmed
Use of Credit Reports
Question of fact
Apr 3, 2024Jul 3, 2024
91 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailDamage disputeDeductibleAdjuster's handling
Corrective action takenInformation furnishedAdditional Payment Expected
Apr 1, 2024Jul 8, 2024
98 days		Not confirmed
Claim service & handling
Contract language / legal issue
Mar 29, 2024Mar 29, 2024
0 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Record Only
Mar 25, 2024Jun 19, 2024
86 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWindDamage disputeDepreciationAdjuster's handling
Question of factClaim settledContract language / legal issue
Mar 18, 2024Apr 11, 2024
24 days		Not confirmed
Delay — policyholder servicePremium & rating
Information furnishedContract language / legal issue
Mar 11, 2024Jun 4, 2024
85 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailWater damageAdjuster's handling
Question of factContract language / legal issue
Mar 1, 2024Mar 18, 2024
17 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damagePlumbingAdjuster's handling
Contract language / legal issueAdditional monies receivedQuestion of fact
Feb 20, 2024Mar 1, 2024
10 days		Not confirmed
Claim service & handlingDelay — claims handling
Complaint Withdrawn
Jan 4, 2024Mar 13, 2024
69 days		Not confirmed
Unsatisfactory settlement or offerRoofHailDamage disputeAdjuster's handling
Information furnishedQuestion of factContract language / legal issue
Dec 15, 2023Feb 15, 2024
62 days		Not confirmed
Claim denialAdjuster's handling
Information furnished
Nov 27, 2023Jan 25, 2024
59 days		Not confirmed
Unsatisfactory settlement or offerRoofHailWater damageAdjuster's handling
Contract language / legal issueInformation furnishedCompany position upheld
Nov 13, 2023Jan 22, 2024
70 days		Not confirmed
Claim service & handlingDelay — claims handlingHail
Question of factContract language / legal issueInformation furnished
Nov 10, 2023Jan 5, 2024
56 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerWater damageAdjuster's handling
Additional monies receivedAdditional Payment ExpectedQuestion of fact
Oct 9, 2023Dec 20, 2023
72 days		Not confirmed
Claim denialRoofHail
Contract language / legal issue
Oct 4, 2023Nov 13, 2023
40 days		Confirmed
Cancellation
Contract language / legal issuePolicy Issued/RestoredCorrective action taken
Sep 20, 2023Sep 28, 2023
8 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damagePlumbingAdjuster's handling
Complaint WithdrawnAdditional monies receivedClaim settled
Sep 12, 2023Oct 3, 2023
21 days		Not confirmed
Cancellation
Premium RefundedInformation furnished
Sep 7, 2023Nov 13, 2023
67 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHail
Claim settledInformation furnished
Sep 7, 2023Nov 13, 2023
67 days		Not confirmed
Claim denialRoofHail
Contract language / legal issueCompany position upheldQuestion of fact
Aug 31, 2023Oct 24, 2023
54 days		Confirmed
Unsatisfactory settlement or offerRoofHailDeductibleAppraisal
Appraisal Process InvokedInformation furnishedClaim settled
Aug 30, 2023Nov 10, 2023
72 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailAdjuster's handling
Claim settledInformation furnished
Aug 29, 2023Oct 24, 2023
56 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingAdjuster's handling
Contract language / legal issueQuestion of factInformation furnished
Aug 29, 2023Nov 6, 2023
69 days		Not confirmed
Unsatisfactory settlement or offerWater damageLoss of useAdjuster's handling
Question of factAdditional monies receivedContract language / legal issue
Aug 25, 2023Sep 18, 2023
24 days		Confirmed
Delay — policyholder serviceUse of Credit Reports
Information furnished
Aug 22, 2023Nov 8, 2023
78 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailAdjuster's handling
Contract language / legal issueAdditional Payment ExpectedClaim settled
Aug 21, 2023Sep 25, 2023
35 days		Not confirmed
Claim denialPlumbing
Contract language / legal issueInformation furnished
Aug 15, 2023Oct 26, 2023
72 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailDepreciationAdjuster's handling
Question of factInformation furnishedAdditional monies received
Aug 8, 2023Oct 19, 2023
72 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerRoofHailAdjuster's handling
Contract language / legal issueAdditional monies receivedClaim settled
Aug 2, 2023Oct 3, 2023
62 days		Not confirmed
Use of Credit Reports
Information furnished
Aug 2, 2023Aug 21, 2023
19 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Claim settledContract language / legal issue
Jul 24, 2023Oct 9, 2023
77 days		Not confirmed
Unsatisfactory settlement or offerWater damageAdjuster's handling
Company position upheldInformation furnishedQuestion of fact
Jul 17, 2023Sep 29, 2023
74 days		Confirmed
Claim service & handlingDelay — claims handlingHailAdjuster's handling
Information furnishedClaim settled
Jul 13, 2023Sep 27, 2023
76 days		Confirmed
Delay — claims handlingUnsatisfactory settlement or offerRoofHailAdjuster's handling
Corrective action takenClaim settled
Jun 28, 2023Sep 8, 2023
72 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingAdjuster's handling
Additional monies receivedInformation furnished
Jun 23, 2023Aug 15, 2023
53 days		Not confirmed
Claim service & handlingDelay — claims handlingDamage disputeAppraisal
Claim settledContract language / legal issue
Jun 22, 2023Jul 16, 2023
24 days		Not confirmed
Premium & ratingRefund of premium
Contract language / legal issueCompany position upheld
Jun 21, 2023Aug 29, 2023
69 days		Not confirmed
Delay — claims handlingRoofHailAdjuster's handling
Contract language / legal issueInformation furnishedQuestion of fact
Jun 19, 2023Jul 20, 2023
31 days		Not confirmed
Claim service & handlingDelay — claims handlingPlumbingAppraisal
Claim settledContract language / legal issue
Jun 19, 2023Aug 16, 2023
58 days		Not confirmed
Delay — claims handling
Information furnished
Jun 16, 2023Aug 25, 2023
70 days		Not confirmed
Other
Question of factInformation furnished
Jun 13, 2023Jun 26, 2023
13 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWater damageAdjuster's handling
Contract language / legal issueCompany position upheld

These are the rows TDI publishes, unedited. Complaint records are already de-identified at source — no complainant name, address, or dollar figure is published, and none is shown here. This table shows the 120 most recent of 142 records; the counts everywhere else on this page cover all 142. The full set is downloadable from the Texas Open Data Portal.

Compare

Carriers with a similar volume of Texas homeowner complaints
Lemonade Insurance Company
57 confirmed of 170
Ranchers and Farmers Mutual Insurance Company
64 confirmed of 158
Liberty Insurance Corporation
15 confirmed of 145
Praetorian Insurance Company
41 confirmed of 136
Spinnaker Insurance Company
42 confirmed of 111
Occidental Fire & Casualty Company of North Carolina
14 confirmed of 107

See all 92 respondents →

About this record

Source: Texas Department of Insurance, “Insurance complaints: All data”, homeowners coverage, complaints received on or after January 1, 2023 where Allstate Fire and Casualty Insurance Company is named as an organizational respondent. Snapshot pulled July 28, 2026.

A confirmed complaint is one TDI reviewed and found had merit. It is not a finding of bad faith, a court judgment, or a regulatory sanction. Complaint volume tracks how much business a carrier writes, which is why the complaints-per-policy index above matters more than the raw count. Legally distinct affiliates file separately and are not combined here. Full method on the index methodology.

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Data: Texas Department of Insurance open data portal · Analysis: claimOS · This page reports public regulatory records and draws no legal conclusions about Allstate Fire and Casualty Insurance Company.