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Texas Carrier Complaint Index/American Risk Insurance Company, Inc.

Texas Department of Insurance record

American Risk Insurance Company, Inc.

Texans filed 599 homeowner complaints against American Risk Insurance Company, Inc. between January 1, 2023 and July 15, 2026. The state reviewed them and agreed with the homeowner 172 times. Across all 599, 118 ended with the carrier paying the homeowner more money — 49 of them complaints the state had confirmed.

172
complaints confirmed by TDI
28.7%
of complaints confirmed · 6.8 points above the statewide average.
7.01×
complaints per policy vs. average (2024)
118
of all 599 complaints ended with additional money paid

TDI weighs complaints against business written: 65,322 homeowners policies in force in 2024. 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 599 complaints
Adjuster's handling407 · 122 confirmed
Roof260 · 80 confirmed
Water damage142 · 39 confirmed
Depreciation128 · 46 confirmed
Hail97 · 29 confirmed
Plumbing59 · 12 confirmed
Damage dispute58 · 22 confirmed
Wind57 · 19 confirmed
Tags overlap and TDI records them on about 78% of complaints, so these are floors.
How the 172 confirmed complaints closed
Corrective action taken97 · 56%
Information furnished82 · 48%
Contract language / legal issue72 · 42%
Additional monies received49 · 28%
Claim settled48 · 28%
Additional Payment Expected45 · 26%
Question of fact43 · 25%
Company position upheld14 · 8%
One complaint can close with several dispositions, so shares overlap. Median time from filing to close: 74 days, against 71 statewide.

By year

Complaints received · 2026 is partial
2023168 filed · 15 confirmed
2024250 filed · 86 confirmed
2025147 filed · 64 confirmed
202634 filed · 7 confirmed

The records

120 most recent of 599 · confirmed rows shaded
ReceivedClosedTDI verdictWhat the complaint was aboutHow it closed
Jun 12, 2026Jul 8, 2026
26 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageWindDamage dispute
Appraisal Process InvokedQuestion of factCorrective action taken
Jun 9, 2026Jun 18, 2026
9 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputePlumbingAdjuster's handling
Contract language / legal issueCompany position upheldQuestion of fact
Jun 9, 2026Jun 30, 2026
21 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailAdjuster's handling
Company position upheldInformation furnishedContract language / legal issue
Jun 8, 2026Jun 26, 2026
18 days		Confirmed
Claim service & handlingDelay — claims handling
Claim settledQuestion of fact
Jun 8, 2026Jun 25, 2026
17 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofDepreciationAdjuster's handling
Claim settledContract language / legal issueCompany position upheld
Jun 3, 2026Jun 26, 2026
23 days		Not confirmed
Claim service & handlingPolicyholder serviceEndorsement / RiderUnsatisfactory settlement or offer
Question of factInformation furnishedContract language / legal issue
Jun 3, 2026Jun 25, 2026
22 days		Not confirmed
CancellationClaim service & handlingClaim denialRoofHailAdjuster's handling
Company position upheldContract language / legal issue
Jun 1, 2026Jun 18, 2026
17 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerAdjuster's handling
Information furnishedQuestion of factAdditional Payment Expected
May 18, 2026Jun 8, 2026
21 days		Not confirmed
Unsatisfactory settlement or offerRoofHailAdjuster's handling
Contract language / legal issueInformation furnished
May 18, 2026Jun 25, 2026
38 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damagePlumbingLoss of useAdjuster's handling
Additional monies receivedClaim settledQuestion of fact
May 14, 2026Jun 24, 2026
41 days		Confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Additional Payment ExpectedQuestion of factCorrective action taken
May 4, 2026May 22, 2026
18 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWind
Company position upheldInformation furnishedQuestion of fact
Apr 30, 2026May 22, 2026
22 days		Not confirmed
Claim service & handlingClaim denialWater damagePlumbingAdjuster's handling
Information furnishedContract language / legal issueCompany position upheld
Apr 22, 2026May 27, 2026
35 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Information furnishedClaim settled
Apr 20, 2026May 8, 2026
18 days		Not confirmed
Delay — claims handlingAppraisal
Question of factCompany position upheldInformation furnished
Apr 15, 2026May 8, 2026
23 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofWater damageDamage dispute
Information furnishedContract language / legal issueCompany position upheld
Apr 14, 2026May 1, 2026
17 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialWater damagePlumbingAdjuster's handling
Question of factCompany position upheldContract language / legal issue
Apr 14, 2026May 6, 2026
22 days		Not confirmed
CancellationClaim service & handlingRoofWind
Question of factCompany position upheldContract language / legal issue
Apr 13, 2026May 8, 2026
25 days		Not confirmed
Claim service & handlingDelay — claims handlingDamage disputeLoss of use
Question of factInformation furnished
Apr 2, 2026May 4, 2026
32 days		Confirmed
Policyholder serviceDeductible
Corrective action takenInformation furnished
Apr 1, 2026Apr 21, 2026
20 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerAppraisalAdjuster's handling
Question of factCompany position upheldClaim settled
Mar 24, 2026Apr 16, 2026
23 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerAdjuster's handling
Contract language / legal issueCompany position upheldQuestion of fact
Mar 18, 2026Apr 10, 2026
23 days		Not confirmed
Claim service & handlingClaim denialRoofHailAdjuster's handling
Contract language / legal issueQuestion of fact
Mar 18, 2026Apr 14, 2026
27 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerRoofDepreciation
Company position upheldContract language / legal issue
Mar 16, 2026Apr 8, 2026
23 days		Confirmed
Delay — claims handlingAdjuster's handling
Information furnishedContract language / legal issue
Feb 25, 2026Mar 25, 2026
28 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofDamage disputeAdjuster's handling
Contract language / legal issueQuestion of factCompany position upheld
Feb 18, 2026Mar 30, 2026
40 days		Not confirmed
Claim service & handlingDelay — claims handlingAppraisalAdjuster's handling
Question of factInformation furnished
Feb 2, 2026Feb 24, 2026
22 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerAppraisal
Question of factContract language / legal issue
Jan 30, 2026Mar 16, 2026
45 days		Confirmed
Claim service & handlingDelay — claims handlingNon-RenewalUnsatisfactory settlement or offerWater damagePlumbingAppraisalAdjuster's handling
Contract language / legal issueQuestion of factCompany position upheld
Jan 23, 2026Mar 20, 2026
56 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerHailWind
Claim settledCorrective action taken
Jan 15, 2026Feb 12, 2026
28 days		Not confirmed
Claim service & handlingDelay — claims handlingDepreciationAdjuster's handling
Additional Payment ExpectedCompany position upheldQuestion of fact
Jan 14, 2026Feb 11, 2026
28 days		Not confirmed
Policyholder service
Contract language / legal issueInformation furnished
Jan 9, 2026Mar 4, 2026
54 days		Not confirmed
Claim service & handlingDelay — claims handlingLoss of useAdjuster's handling
Additional monies receivedQuestion of factContract language / legal issue
Jan 7, 2026Feb 27, 2026
51 days		Not confirmed
Claim service & handlingClaim denialWater damage
Contract language / legal issueCompany position upheldQuestion of fact
Dec 9, 2025Feb 12, 2026
65 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofDamage disputeAdjuster's handling
Question of factCompany position upheldContract language / legal issue
Dec 9, 2025Feb 19, 2026
72 days		Not confirmed
Policyholder servicePremium & rating
Contract language / legal issueCompany position upheld
Dec 3, 2025Feb 10, 2026
69 days		Not confirmed
Policyholder serviceUnsatisfactory settlement or offerRoofHailAdjuster's handling
Question of factContract language / legal issueCompany position upheld
Dec 1, 2025Feb 17, 2026
78 days		Confirmed
CancellationPolicyholder serviceRoof
Contract language / legal issueQuestion of factInformation furnished
Dec 1, 2025Jan 28, 2026
58 days		Not confirmed
CancellationRefund of premium
Company position upheldInformation furnishedAdditional Payment Expected
Nov 24, 2025Feb 9, 2026
77 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofAdjuster's handling
Question of factInformation furnished
Nov 12, 2025Feb 9, 2026
89 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailAdjuster's handling
Contract language / legal issueQuestion of fact
Nov 6, 2025Jan 12, 2026
67 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damageDeductibleDepreciationAdjuster's handling
Additional monies receivedInformation furnishedContract language / legal issue
Oct 29, 2025Dec 18, 2025
50 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailDamage dispute
Contract language / legal issueCorrective action taken
Oct 8, 2025Dec 22, 2025
75 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingLoss of useAdjuster's handling
Contract language / legal issueInformation furnishedClaim settled
Oct 6, 2025Nov 4, 2025
29 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offer
Contract language / legal issueQuestion of factAdditional monies received
Oct 2, 2025Dec 3, 2025
62 days		Confirmed
Claim service & handlingDelay — claims handlingRoofDepreciation
Corrective action takenContract language / legal issueClaim settled
Oct 1, 2025Jan 22, 2026
113 days		Not confirmed
CancellationPolicyholder serviceRefund of premiumRoof
Question of factPremium RefundedContract language / legal issue
Sep 29, 2025Oct 24, 2025
25 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofDepreciation
Question of factInformation furnishedAdditional Payment Expected
Sep 22, 2025Dec 10, 2025
79 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoof
Contract language / legal issueInformation furnished
Sep 17, 2025Jan 20, 2026
125 days		Not confirmed
Unsatisfactory settlement or offerHailWindDepreciationAdjuster's handling
Company position upheldClaim settledContract language / legal issue
Sep 16, 2025Oct 8, 2025
22 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailDamage dispute
Question of factCompany position upheldContract language / legal issue
Aug 27, 2025Oct 15, 2025
49 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWindDamage disputeAppraisalLoss of useAdjuster's handling
Corrective action takenAdditional Payment ExpectedAdditional monies received
Aug 26, 2025Jan 14, 2026
141 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageLoss of useMoldAdjuster's handling
Company position upheldQuestion of factContract language / legal issue
Aug 25, 2025Dec 16, 2025
113 days		Confirmed
Claim service & handlingDelay — claims handlingClaim denialLoss of useAdjuster's handling
Additional Payment ExpectedContract language / legal issueCorrective action taken
Aug 21, 2025Sep 30, 2025
40 days		Not confirmed
Delay — claims handlingRoofAppraisalAdjuster's handling
Claim settledQuestion of factInformation furnished
Aug 21, 2025Oct 16, 2025
56 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofAdjuster's handling
Additional monies receivedContract language / legal issueInformation furnished
Aug 20, 2025Jan 13, 2026
146 days		Confirmed
Claim service & handlingDelay — claims handlingHailWindAdjuster's handling
Information furnishedCorrective action takenAdditional monies received
Aug 19, 2025Nov 13, 2025
86 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialPlumbingFoundationAdjuster's handling
Contract language / legal issueQuestion of factCompany position upheld
Aug 18, 2025Sep 18, 2025
31 days		Confirmed
Delay — claims handling
Information furnishedContract language / legal issue
Aug 11, 2025Sep 18, 2025
38 days		Confirmed
Delay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingDepreciationLoss of useAdjuster's handling
Claim settledAdditional monies receivedInformation furnished
Aug 7, 2025Oct 16, 2025
70 days		Confirmed
Unsatisfactory settlement or offerRoofDamage disputeAppraisalDepreciation
Contract language / legal issueCompany position upheldQuestion of fact
Aug 6, 2025Dec 11, 2025
127 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damagePlumbingLoss of useAdjuster's handling
Information furnishedQuestion of factContract language / legal issue
Aug 6, 2025Dec 30, 2025
146 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damageDamage disputePlumbingAdjuster's handling
Question of factContract language / legal issueCompany position upheld
Aug 5, 2025Oct 21, 2025
77 days		Confirmed
Delay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingLoss of useMoldAdjuster's handling
Claim settledQuestion of factContract language / legal issue
Jul 31, 2025Nov 21, 2025
113 days		Confirmed
Delay — claims handlingAppraisalAdjuster's handling
Additional Payment ExpectedInformation furnishedCorrective action taken
Jul 28, 2025Dec 17, 2025
142 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Question of factContract language / legal issueCompany position upheld
Jul 21, 2025Nov 21, 2025
123 days		Confirmed
Claim service & handlingDelay — claims handlingAppraisal
Additional Payment ExpectedAppraisal Process InvokedInformation furnished
Jul 15, 2025Dec 3, 2025
141 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageDamage disputeAdjuster's handling
Additional monies receivedCorrective action takenClaim settled
Jul 10, 2025Sep 4, 2025
56 days		Confirmed
Claim service & handlingDelay — claims handlingLoss of useAdjuster's handling
Contract language / legal issueClaim settled
Jul 10, 2025Nov 13, 2025
126 days		Not confirmed
Cancellation
Policy Issued/RestoredInformation furnishedQuestion of fact
Jul 8, 2025Nov 10, 2025
125 days		Confirmed
Claim service & handlingDelay — claims handlingRoof
Additional monies receivedInformation furnishedCorrective action taken
Jul 2, 2025Nov 4, 2025
125 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofAdjuster's handling
Question of factContract language / legal issueCompany position upheld
Jul 2, 2025Oct 31, 2025
121 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerAdjuster's handling
Corrective action takenContract language / legal issueClaim settled
Jul 1, 2025Aug 28, 2025
58 days		Confirmed
Claim service & handlingDelay — claims handling
Corrective action takenContract language / legal issue
Jun 25, 2025Aug 26, 2025
62 days		Confirmed
Claim service & handlingDelay — claims handling
Corrective action takenClaim settledContract language / legal issue
Jun 20, 2025Oct 23, 2025
125 days		Confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Additional Payment ExpectedCorrective action takenInformation furnished
Jun 19, 2025Oct 21, 2025
124 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailAdjuster's handling
Contract language / legal issueInformation furnishedAdditional monies received
Jun 17, 2025Sep 16, 2025
91 days		Confirmed
Delay — claims handlingRoofHailWindDamage disputeAdjuster's handling
Contract language / legal issueInformation furnishedFailure to Timely Respond
Jun 13, 2025Jul 28, 2025
45 days		Confirmed
Claim service & handlingDelay — claims handlingRoofHailDepreciationAdjuster's handling
Corrective action takenClaim settledContract language / legal issue
Jun 10, 2025Jul 14, 2025
34 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofAdjuster's handling
Information furnishedQuestion of fact
Jun 9, 2025Oct 15, 2025
128 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerDepreciationAdjuster's handling
Question of factContract language / legal issueInformation furnished
Jun 9, 2025Feb 26, 2026
262 days		Confirmed
Claim service & handlingDelay — claims handlingDelay — policyholder serviceUnsatisfactory settlement or offerDamage disputeAdjuster's handling
Additional Payment ExpectedAdditional monies receivedReferred for Disciplinary Actn
Jun 6, 2025Sep 15, 2025
101 days		Confirmed
Claim service & handlingDelay — claims handlingRoofHailDepreciation
Appraisal Process InvokedContract language / legal issueInformation furnished
Jun 4, 2025Sep 29, 2025
117 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWater damageWindMold
Company position upheldQuestion of factContract language / legal issue
May 29, 2025Sep 10, 2025
104 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageAppraisal
Question of factInformation furnishedAdditional monies received
May 29, 2025Jul 22, 2025
54 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerUsual And CustomaryRoof
Contract language / legal issueClaim settledCorrective action taken
May 28, 2025Sep 16, 2025
111 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageWindAppraisal
Additional monies receivedContract language / legal issueQuestion of fact
May 27, 2025Aug 25, 2025
90 days		Not confirmed
Unsatisfactory settlement or offerAppraisal
Contract language / legal issueCompany position upheldInformation furnished
May 21, 2025Aug 25, 2025
96 days		Confirmed
Delay — claims handlingAppraisalAdjuster's handling
Question of factAdditional monies receivedContract language / legal issue
May 19, 2025Oct 7, 2025
141 days		Confirmed
Delay — claims handlingRoofHailDepreciationAdjuster's handling
Additional Payment ExpectedContract language / legal issueInformation furnished
May 13, 2025Aug 12, 2025
91 days		Not confirmed
Claim service & handlingPolicyholder serviceDelay — claims handlingDelay — policyholder serviceClaim denialUnsatisfactory settlement or offerRoofWindDepreciationAdjuster's handling
Contract language / legal issueCompany position upheldQuestion of fact
May 13, 2025Sep 22, 2025
132 days		Not confirmed
Claim service & handlingDelay — claims handlingLoss of useAdjuster's handling
Question of fact
May 7, 2025Sep 3, 2025
119 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofWindAdjuster's handling
Question of factContract language / legal issue
May 6, 2025Jun 25, 2025
50 days		Confirmed
Claim service & handlingDelay — claims handlingClaim denialAdjuster's handling
Company position upheldContract language / legal issueInformation furnished
May 2, 2025Aug 4, 2025
94 days		Confirmed
Claim service & handlingDelay — claims handlingAppraisalAdjuster's handling
Additional monies receivedInformation furnished
May 1, 2025Aug 13, 2025
104 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialRoofAdjuster's handling
Information furnishedContract language / legal issueClaim settled
Apr 30, 2025Aug 13, 2025
105 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailAdjuster's handling
Contract language / legal issueCompany position upheldQuestion of fact
Apr 29, 2025Jun 3, 2025
35 days		Confirmed
Claim service & handlingDelay — claims handling
Information furnishedAdditional Payment Expected
Apr 29, 2025Sep 3, 2025
127 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageAdjuster's handling
Question of factCorrective action takenContract language / legal issue
Apr 29, 2025May 20, 2025
21 days		Not confirmed
Claim service & handlingDelay — claims handling
Information furnishedCompany position upheldContract language / legal issue
Apr 28, 2025Aug 19, 2025
113 days		Confirmed
Claim service & handlingPolicyholder serviceDelay — claims handlingDelay — policyholder serviceUnsatisfactory settlement or offerRoofHailWindAdjuster's handling
Corrective action takenContract language / legal issue
Apr 25, 2025May 13, 2025
18 days		Not confirmed
Refund of premium
Question of fact
Apr 24, 2025Aug 25, 2025
123 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Additional monies receivedQuestion of factInformation furnished
Apr 24, 2025Aug 11, 2025
109 days		Confirmed
Claim service & handlingDelay — claims handlingRoofHailWater damageWindAdjuster's handling
Additional monies receivedContract language / legal issueCorrective action taken
Apr 23, 2025Aug 10, 2025
109 days		Not confirmed
Policyholder serviceDelay — policyholder serviceRefund of premium
Information furnishedPremium Refunded
Apr 23, 2025Sep 2, 2025
132 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerAppraisalAdjuster's handling
Contract language / legal issueQuestion of factAdditional Payment Expected
Apr 23, 2025Apr 24, 2025
1 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Record Only
Apr 23, 2025May 21, 2025
28 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerDamage disputeAdjuster's handling
Information furnishedContract language / legal issueQuestion of fact
Apr 22, 2025Aug 4, 2025
104 days		Not confirmed
Claim service & handlingClaim denialWater damagePlumbingAdjuster's handling
Company position upheldContract language / legal issueQuestion of fact
Apr 21, 2025Jul 31, 2025
101 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerDamage disputeAppraisalDepreciationAdjuster's handling
Additional monies receivedClaim settledContract language / legal issue
Apr 16, 2025Jun 20, 2025
65 days		Not confirmed
Unsatisfactory settlement or offerRoofDamage disputeAdjuster's handling
Information furnishedAdditional monies received
Apr 15, 2025Aug 5, 2025
112 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofDepreciation
Contract language / legal issueCompany position upheldQuestion of fact
Apr 14, 2025Jun 24, 2025
71 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDeductibleAdjuster's handling
Additional monies receivedInformation furnished
Apr 9, 2025May 12, 2025
33 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofWater damageAdjuster's handling
Information furnishedClaim settledContract language / legal issue
Apr 9, 2025Jul 2, 2025
84 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailWindAdjuster's handling
Contract language / legal issueQuestion of fact
Apr 8, 2025Jul 22, 2025
105 days		Confirmed
Delay — claims handlingUnsatisfactory settlement or offerAdjuster's handling
Question of factContract language / legal issueAdditional monies received
Apr 8, 2025Jul 2, 2025
85 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofDepreciationAdjuster's handling
Question of factClaim settled
Apr 7, 2025Jun 4, 2025
58 days		Confirmed
Policyholder serviceDelay — policyholder service
Corrective action takenInformation furnished
Apr 7, 2025May 29, 2025
52 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofWater damageAdjuster's handling
Information furnishedQuestion of factClaim settled
Apr 4, 2025May 5, 2025
31 days		Confirmed
Claim service & handlingDelay — claims handlingRoofWindAdjuster's handling
Contract language / legal issueCorrective action takenAdditional Payment Expected

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 599 records; the counts everywhere else on this page cover all 599. The full set is downloadable from the Texas Open Data Portal.

Compare

Carriers with a similar volume of Texas homeowner complaints
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566 confirmed of 2,343
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451 confirmed of 2,148
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93 confirmed of 538
Homesite Insurance Company
148 confirmed of 495
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81 confirmed of 444
Texas Farmers Insurance Company
56 confirmed of 346

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 American Risk Insurance Company, Inc. 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 American Risk Insurance Company, Inc..