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Texas Carrier Complaint Index/Germania Farm Mutual Insurance Association

Texas Department of Insurance record

Germania Farm Mutual Insurance Association

Texans filed 176 homeowner complaints against Germania Farm Mutual Insurance Association between January 1, 2023 and July 15, 2026. The state reviewed them and agreed with the homeowner 23 times. Across all 176, 22 ended with the carrier paying the homeowner more money — 5 of them complaints the state had confirmed.

23
complaints confirmed by TDI
13.1%
of complaints confirmed · 8.9 points below the statewide average.
0.71×
complaints per policy vs. average (2025)
22
of all 176 complaints ended with additional money paid

TDI weighs complaints against business written: 144,509 homeowners policies in force in 2025. This carrier draws fewer 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 176 complaints
Adjuster's handling94 · 14 confirmed
Roof62 · 7 confirmed
Hail55 · 11 confirmed
Water damage37 · 4 confirmed
Deductible31 · 5 confirmed
Damage dispute26 · 4 confirmed
Wind23 · 3 confirmed
Plumbing20 · 4 confirmed
Tags overlap and TDI records them on about 78% of complaints, so these are floors.
How the 23 confirmed complaints closed
Corrective action taken16 · 70%
Information furnished10 · 43%
Contract language / legal issue9 · 39%
Question of fact7 · 30%
Claim settled7 · 30%
Additional Payment Expected5 · 22%
Additional monies received5 · 22%
Premium Refunded2 · 9%
One complaint can close with several dispositions, so shares overlap. Median time from filing to close: 71 days, against 71 statewide.

By year

Complaints received · 2026 is partial
202351 filed · 4 confirmed
202462 filed · 8 confirmed
202546 filed · 8 confirmed
202617 filed · 3 confirmed

The records

120 most recent of 176 · confirmed rows shaded
ReceivedClosedTDI verdictWhat the complaint was aboutHow it closed
Jul 7, 2026Jul 16, 2026
9 days		Not confirmed
Claim service & handlingDelay — claims handlingDamage disputeDeductibleAdjuster's handling
Question of factInformation furnished
Jun 22, 2026Jul 9, 2026
17 days		Not confirmed
Unsatisfactory settlement or offerRoofWater damageWindDamage disputeAdjuster's handling
Question of factContract language / legal issueCompany position upheld
Jun 2, 2026Jun 15, 2026
13 days		Not confirmed
Claim service & handlingClaim denialRoofHailAdjuster's handling
Company position upheldContract language / legal issue
May 29, 2026Jul 7, 2026
39 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerHailWindDamage disputeDeductibleAdjuster's handling
Question of factCorrective action takenAdditional Payment Expected
May 20, 2026Jun 10, 2026
21 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageAdjuster's handling
Additional Payment ExpectedContract language / legal issueCompany position upheld
May 20, 2026Jun 3, 2026
14 days		Not confirmed
Unsatisfactory settlement or offerRoofWind
Contract language / legal issueCompany position upheldInformation furnished
May 6, 2026May 26, 2026
20 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofAdjuster's handling
Question of fact
May 4, 2026May 27, 2026
23 days		Not confirmed
CancellationClaim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofAdjuster's handling
Contract language / legal issueCompany position upheld
Apr 21, 2026May 14, 2026
23 days		Confirmed
Delay — claims handlingUnsatisfactory settlement or offer
Corrective action takenAdditional monies receivedAdditional Payment Expected
Mar 23, 2026Mar 31, 2026
8 days		Confirmed
Delay — claims handlingClaim denialUnsatisfactory settlement or offerHailDepreciationAdjuster's handling
Contract language / legal issueAdditional monies receivedInformation furnished
Mar 18, 2026Apr 20, 2026
33 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerHailDeductible
Company position upheldInformation furnished
Mar 16, 2026Apr 8, 2026
23 days		Not confirmed
Claim service & handling
Question of fact
Mar 3, 2026Apr 3, 2026
31 days		Not confirmed
Claim service & handlingClaim denialPremium & rating
Information furnishedQuestion of factContract language / legal issue
Feb 2, 2026Mar 16, 2026
42 days		Not confirmed
Policyholder serviceDelay — policyholder service
Premium RefundedCorrective action takenInformation furnished
Jan 14, 2026Mar 9, 2026
54 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageLoss of useAdjuster's handling
Company position upheldInformation furnishedContract language / legal issue
Jan 13, 2026Mar 6, 2026
52 days		Not confirmed
Policyholder servicePremium & ratingRefund of premium
Information furnishedCompany position upheldQuestion of fact
Jan 6, 2026Mar 3, 2026
56 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoof
Claim settledCompany position upheld
Dec 29, 2025Feb 25, 2026
58 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingLoss of use
Additional monies receivedInformation furnishedContract language / legal issue
Dec 19, 2025Mar 9, 2026
80 days		Not confirmed
Claim denialWater damagePlumbing
Contract language / legal issueQuestion of fact
Dec 3, 2025Dec 22, 2025
19 days		Not confirmed
Claim denialPlumbingFoundationAdjuster's handling
Contract language / legal issueQuestion of factInformation furnished
Nov 25, 2025Feb 12, 2026
79 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerDepreciation
Contract language / legal issue
Nov 19, 2025Dec 31, 2025
42 days		Confirmed
Delay — claims handlingUnsatisfactory settlement or offerHailAppraisal
Claim settledCorrective action taken
Nov 18, 2025Dec 12, 2025
24 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailDepreciation
Contract language / legal issueInformation furnishedClaim settled
Oct 21, 2025Jan 2, 2026
73 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputeAdjuster's handling
Company position upheldQuestion of factContract language / legal issue
Oct 20, 2025Jan 26, 2026
98 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWindDamage disputeAdjuster's handling
Question of factCompany position upheldContract language / legal issue
Oct 1, 2025Dec 9, 2025
69 days		Not confirmed
Claim service & handlingDelay — claims handlingAppraisal
Contract language / legal issueAppraisal Process InvokedAdditional Payment Expected
Sep 29, 2025Jan 7, 2026
100 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWindDeductibleDepreciation
Additional Payment ExpectedInformation furnishedContract language / legal issue
Sep 8, 2025Nov 4, 2025
57 days		Confirmed
Policyholder serviceDelay — policyholder serviceNon-RenewalRefund of premium
Corrective action takenContract language / legal issue
Sep 4, 2025Nov 6, 2025
63 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailAdjuster's handling
Contract language / legal issueClaim settled
Aug 1, 2025Nov 13, 2025
104 days		Not confirmed
Refund of premium
Information furnishedPremium RefundedQuestion of fact
Jul 23, 2025Dec 15, 2025
145 days		Not confirmed
Claim denialNon-RenewalLoss of useAdjuster's handling
Contract language / legal issueQuestion of factCompany position upheld
Jul 21, 2025Aug 14, 2025
24 days		Not confirmed
Claim service & handlingDelay — claims handling
Contract language / legal issueCompany position upheld
Jul 21, 2025Dec 8, 2025
140 days		Not confirmed
Unsatisfactory settlement or offerDeductibleLoss of use
Contract language / legal issueQuestion of factCompany position upheld
Jul 16, 2025Dec 12, 2025
149 days		Not confirmed
Unsatisfactory settlement or offerRoofDamage disputeDeductibleDepreciationAdjuster's handling
Contract language / legal issueCompany position upheldQuestion of fact
Jul 1, 2025Sep 4, 2025
65 days		Not confirmed
Unsatisfactory settlement or offerRoofHailWater damageWindAdjuster's handling
Company position upheldAdditional monies receivedContract language / legal issue
Jun 30, 2025Oct 16, 2025
108 days		Not confirmed
Claim denialUnsatisfactory settlement or offerRoofHailWindAdjuster's handling
Information furnishedContract language / legal issueQuestion of fact
Jun 24, 2025Oct 16, 2025
114 days		Not confirmed
Unsatisfactory settlement or offerWindDeductible
Company position upheldContract language / legal issueClaim settled
Jun 23, 2025Oct 6, 2025
105 days		Not confirmed
Policyholder serviceNon-RenewalWind
Company position upheldQuestion of factContract language / legal issue
Jun 17, 2025Oct 22, 2025
127 days		Not confirmed
Claim denialPolicy Exclusion
Question of factContract language / legal issue
Jun 9, 2025Aug 21, 2025
73 days		Not confirmed
Premium & rating
Contract language / legal issueCompany position upheld
May 22, 2025Jun 23, 2025
32 days		Not confirmed
Delay — claims handlingRoofAdjuster's handling
Information furnishedContract language / legal issueCompany position upheld
Apr 22, 2025Jul 19, 2025
88 days		Not confirmed
MisrepresentationUnsatisfactory settlement or offerWater damageMoldAdjuster's handling
Question of factContract language / legal issueAdditional Payment Expected
Apr 21, 2025Jun 27, 2025
67 days		Confirmed
Delay — claims handlingUnsatisfactory settlement or offerRoofHailDamage disputeDeductibleDepreciationAdjuster's handling
Claim settledInformation furnishedContract language / legal issue
Apr 17, 2025Jun 6, 2025
50 days		Not confirmed
Policyholder servicePremium & rating
Company position upheldContract language / legal issue
Apr 15, 2025Jul 23, 2025
99 days		Not confirmed
Unsatisfactory settlement or offerRoofHailWater damageDamage disputeMoldAdjuster's handling
Contract language / legal issueQuestion of factCompany position upheld
Apr 11, 2025Aug 4, 2025
115 days		Confirmed
Unsatisfactory settlement or offerRoofHailDeductibleDepreciation
Contract language / legal issueCorrective action takenQuestion of fact
Apr 3, 2025Jul 22, 2025
110 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damageDamage disputePlumbingAdjuster's handling
Question of factContract language / legal issueAdditional Payment Expected
Apr 3, 2025Jul 24, 2025
112 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerHailDamage disputeDeductibleAdjuster's handling
Question of factContract language / legal issueCompany position upheld
Mar 27, 2025Jul 23, 2025
118 days		Not confirmed
Delay — policyholder serviceRefund of premium
Premium RefundedInformation furnishedQuestion of fact
Mar 19, 2025Jul 23, 2025
126 days		Not confirmed
Claim service & handlingPolicy ExclusionUnsatisfactory settlement or offerRoofDamage disputeAdjuster's handling
Question of factContract language / legal issueAdditional monies received
Mar 18, 2025Jul 15, 2025
119 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWindAdjuster's handling
Contract language / legal issueQuestion of factAppraisal Process Invoked
Mar 12, 2025May 22, 2025
71 days		Confirmed
Policyholder serviceRefund of premium
Information furnishedPremium Refunded
Mar 5, 2025Apr 28, 2025
54 days		Not confirmed
Non-Renewal
Company position upheldContract language / legal issue
Feb 26, 2025Jul 3, 2025
127 days		Not confirmed
Premium NoticePremium & rating
Company position upheldContract language / legal issueInformation furnished
Feb 14, 2025Jun 26, 2025
132 days		Not confirmed
Endorsement / RiderPremium & ratingRoofHail
Question of factInformation furnishedContract language / legal issue
Feb 6, 2025Jun 25, 2025
139 days		Confirmed
Claim service & handlingDelay — claims handlingPolicy ExclusionUnsatisfactory settlement or offerWater damagePlumbingAdjuster's handling
Information furnishedContract language / legal issueCompany position upheld
Feb 5, 2025May 7, 2025
91 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingDeductibleAdjuster's handling
Information furnishedAdditional Payment Expected
Feb 3, 2025Jun 20, 2025
137 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofWindDamage disputeAdjuster's handling
Additional Payment ExpectedContract language / legal issueInformation furnished
Jan 30, 2025Apr 28, 2025
88 days		Not confirmed
Claim denialUnsatisfactory settlement or offerWindDamage disputeDeductibleDepreciationAdjuster's handling
Information furnishedCompany position upheldContract language / legal issue
Jan 29, 2025Apr 9, 2025
70 days		Not confirmed
Delay — policyholder serviceRefund of premium
Question of factInformation furnishedPremium Refunded
Jan 28, 2025May 1, 2025
93 days		Not confirmed
Claim service & handlingClaim denialUnsatisfactory settlement or offerAdjuster's handling
Information furnishedContract language / legal issueAdditional Payment Expected
Jan 15, 2025Feb 1, 2025
17 days		Not confirmed
Premium & rating
Company position upheldInformation furnished
Jan 9, 2025May 20, 2025
131 days		Confirmed
Claim service & handlingDelay — claims handlingRoofHailWindAdjuster's handling
Information furnishedAdditional monies receivedCorrective action taken
Dec 27, 2024Feb 14, 2025
49 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailDamage disputeDepreciationAdjuster's handling
Contract language / legal issueQuestion of factCompany position upheld
Dec 23, 2024Apr 29, 2025
127 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailDamage disputeAdjuster's handling
Information furnishedAdditional monies receivedClaim settled
Dec 13, 2024Dec 30, 2024
17 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerHailWindAdjuster's handling
Information furnishedQuestion of factContract language / legal issue
Dec 12, 2024May 20, 2025
159 days		Not confirmed
Claim service & handlingDelay — claims handlingAppraisalAdjuster's handling
Additional monies receivedInformation furnishedAppraisal Process Invoked
Nov 21, 2024May 20, 2025
180 days		Not confirmed
Claim service & handlingDelay — claims handlingHailDeductibleAdjuster's handling
Question of factAdditional monies receivedInformation furnished
Nov 21, 2024May 1, 2025
161 days		Not confirmed
Policyholder serviceNon-Renewal
Company position upheldContract language / legal issueInformation furnished
Nov 18, 2024Dec 4, 2024
16 days		Not confirmed
Claim service & handlingClaim denialRoofHailDamage disputeAdjuster's handling
Information furnishedAdditional monies received
Nov 6, 2024Apr 15, 2025
160 days		Confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Additional Payment ExpectedClaim settledCorrective action taken
Nov 6, 2024Feb 7, 2025
93 days		Not confirmed
Claim service & handlingPremium & ratingUnsatisfactory settlement or offerRoofHailDeductibleDepreciationAdjuster's handling
Contract language / legal issueQuestion of factCompany position upheld
Nov 1, 2024Feb 18, 2025
109 days		Not confirmed
Policyholder serviceDelay — policyholder serviceUse Of Clue ReportsRoofHailWater damageDeductible
Information furnishedCompany position upheldContract language / legal issue
Oct 31, 2024May 9, 2025
190 days		Confirmed
Claim service & handlingDelay — claims handlingClaim denialPlumbingAdjuster's handling
Contract language / legal issueCompany position upheldInformation furnished
Oct 24, 2024Mar 10, 2025
137 days		Not confirmed
Policyholder serviceUse Of Clue ReportsRoofWater damageWindDeductible
Information furnishedContract language / legal issueCompany position upheld
Oct 23, 2024Nov 14, 2024
22 days		Not confirmed
Use Of Clue ReportsPlumbingDeductible
Information furnishedQuestion of fact
Oct 15, 2024Mar 13, 2025
149 days		Not confirmed
Unsatisfactory settlement or offerHailDeductibleAdjuster's handling
Contract language / legal issueCompany position upheldInformation furnished
Oct 4, 2024Feb 27, 2025
146 days		Not confirmed
Delay — claims handlingNon-RenewalUnsatisfactory settlement or offerHailWindAdjuster's handling
Contract language / legal issueQuestion of fact
Oct 3, 2024Feb 21, 2025
141 days		Not confirmed
Delay — claims handlingDepreciation
Information furnishedQuestion of fact
Sep 27, 2024Apr 25, 2025
210 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailDamage disputeAppraisalAdjuster's handling
Claim settledQuestion of factCorrective action taken
Sep 13, 2024Dec 11, 2024
89 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWindDeductibleAdjuster's handling
Claim settledContract language / legal issueAdditional monies received
Sep 10, 2024Jan 14, 2025
126 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWindDeductibleLoss of useAdjuster's handling
Additional monies receivedCorrective action takenQuestion of fact
Sep 4, 2024Feb 24, 2025
173 days		Not confirmed
Unsatisfactory settlement or offerRoofHailDeductibleDepreciationAdjuster's handling
Information furnishedRecord Only
Sep 3, 2024Oct 22, 2024
49 days		Not confirmed
Unsatisfactory settlement or offerRoofWater damage
Contract language / legal issueQuestion of factAdditional monies received
Aug 23, 2024Feb 21, 2025
182 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailDamage disputeDeductibleDepreciationAdjuster's handling
Question of factContract language / legal issueAdditional monies received
Aug 16, 2024Dec 13, 2024
119 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerDeductibleLoss of useAdjuster's handling
Question of factContract language / legal issueAdditional Payment Expected
Aug 15, 2024Dec 31, 2024
138 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailDeductibleAdjuster's handling
Information furnishedCompany position upheldContract language / legal issue
Aug 12, 2024Nov 12, 2024
92 days		Confirmed
Claim service & handlingDelay — claims handlingHailAdjuster's handling
Information furnishedCorrective action takenAdditional Payment Expected
Aug 7, 2024Aug 16, 2024
9 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Record Only
Aug 5, 2024Nov 20, 2024
107 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWindAdjuster's handling
Additional Payment ExpectedContract language / legal issueInformation furnished
Aug 2, 2024Jan 14, 2025
165 days		Not confirmed
Claim denialWater damagePlumbing
Contract language / legal issueCompany position upheldInformation furnished
Jul 31, 2024Nov 21, 2024
113 days		Not confirmed
Unsatisfactory settlement or offerRoofHail
Information furnishedContract language / legal issueQuestion of fact
Jul 17, 2024Aug 12, 2024
26 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damagePlumbingAdjuster's handling
Contract language / legal issueQuestion of factInformation furnished
Jul 16, 2024Oct 25, 2024
101 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerHailWater damageWindDamage disputeAdjuster's handling
Additional Payment ExpectedContract language / legal issueAdditional monies received
Jul 9, 2024Sep 16, 2024
69 days		Not confirmed
Claim service & handlingDelay — claims handlingWindAdjuster's handling
Contract language / legal issueAdditional monies receivedQuestion of fact
Jul 3, 2024Jul 29, 2024
26 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damageAdjuster's handling
Information furnished
Jul 1, 2024Sep 11, 2024
72 days		Not confirmed
Claim denialRoofAdjuster's handling
Contract language / legal issueInformation furnishedAdditional Payment Expected
Jul 1, 2024Oct 18, 2024
109 days		Confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Corrective action takenQuestion of fact
Jun 25, 2024Sep 25, 2024
92 days		Not confirmed
Premium & ratingRoofHailWind
Company position upheldInformation furnished
Jun 24, 2024Sep 16, 2024
84 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofLoss of useAdjuster's handling
Additional monies receivedAdditional Payment ExpectedQuestion of fact
Jun 14, 2024Sep 5, 2024
83 days		Not confirmed
Premium & rating
Contract language / legal issueInformation furnishedCompany position upheld
Jun 10, 2024Nov 19, 2024
162 days		Not confirmed
Claim denialRoofHailAdjuster's handling
Information furnishedAdditional Payment ExpectedQuestion of fact
Jun 6, 2024Jul 15, 2024
39 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerHailWindAdjuster's handling
Additional Payment ExpectedInformation furnished
Jun 6, 2024Jun 17, 2024
11 days		Not confirmed
Premium & rating
Information furnishedContract language / legal issueQuestion of fact
May 24, 2024Jul 12, 2024
49 days		Not confirmed
Premium & ratingRoofDeductible
Information furnishedCompany position upheld
May 20, 2024Aug 2, 2024
74 days		Not confirmed
Policyholder serviceDelay — policyholder serviceRoofWater damageDeductible
Company position upheldInformation furnished
May 17, 2024Aug 6, 2024
81 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofDeductibleAdjuster's handling
Contract language / legal issueInformation furnishedCompany position upheld
May 17, 2024Aug 8, 2024
83 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDeductibleDepreciationAdjuster's handling
Contract language / legal issueInformation furnishedCompany position upheld
May 17, 2024Jul 23, 2024
67 days		Not confirmed
Premium & rating
Company position upheldInformation furnished
May 14, 2024Aug 5, 2024
83 days		Confirmed
Policyholder serviceDelay — policyholder serviceRefund of premium
Information furnishedCorrective action takenPremium Refunded
May 13, 2024Aug 23, 2024
102 days		Not confirmed
Unsatisfactory settlement or offerWater damageDamage disputePlumbingDeductibleMoldAdjuster's handling
Contract language / legal issueInformation furnishedAdditional monies received
May 6, 2024Jul 3, 2024
58 days		Not confirmed
Premium & rating
Company position upheldQuestion of factInformation furnished
May 2, 2024Jul 31, 2024
90 days		Not confirmed
Non-Renewal
Contract language / legal issueCompany position upheldQuestion of fact
Apr 18, 2024Jul 17, 2024
90 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerAdjuster's handling
Company position upheldAdditional Payment ExpectedQuestion of fact
Apr 4, 2024May 1, 2024
27 days		Not confirmed
Claim service & handlingClaim denialAdjuster's handling
Company position upheldContract language / legal issue
Mar 6, 2024May 13, 2024
68 days		Not confirmed
Premium & rating
Question of factContract language / legal issueInformation furnished
Feb 27, 2024May 16, 2024
79 days		Not confirmed
Non-Renewal
Information furnishedContract language / legal issueCompany position upheld
Feb 14, 2024May 2, 2024
78 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damageDeductibleDepreciationAdjuster's handling
Additional Payment ExpectedQuestion of factContract language / legal issue
Jan 31, 2024Feb 13, 2024
13 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailAppraisal
Question of factClaim settledContract language / legal issue
Jan 29, 2024Apr 9, 2024
71 days		Not confirmed
Unsatisfactory settlement or offerRoofHailWater damageAdjuster's handling
Contract language / legal issueAdditional monies receivedQuestion of fact

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 176 records; the counts everywhere else on this page cover all 176. The full set is downloadable from the Texas Open Data Portal.

Compare

Carriers with a similar volume of Texas homeowner complaints
Texas Windstorm Insurance Association
20 confirmed of 199
Nationwide Mutual Insurance Company
46 confirmed of 189
Homeowners of America Insurance Company
33 confirmed of 186
Meridian Security Insurance Company
20 confirmed of 176
Goosehead Insurance Agency, LLC
58 confirmed of 175
Garrison Property and Casualty Insurance Company
52 confirmed of 174

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 Germania Farm Mutual Insurance Association 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 Germania Farm Mutual Insurance Association.