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Texas Carrier Complaint Index/Homeowners of America Insurance Company

Texas Department of Insurance record

Homeowners of America Insurance Company

Texans filed 186 homeowner complaints against Homeowners of America Insurance Company between January 1, 2023 and July 15, 2026. The state reviewed them and agreed with the homeowner 33 times. Across all 186, 17 ended with the carrier paying the homeowner more money — 5 of them complaints the state had confirmed.

33
complaints confirmed by TDI
17.7%
of complaints confirmed · 4.2 points below the statewide average.
n/a
no TDI policy count published
17
of all 186 complaints ended with additional money paid

TDI publishes no usable homeowners policy count for this respondent, so there is no complaints-per-policy index — it may be an agency rather than an insurer, may not write homeowners in Texas under this entity, or may hold too small a book (under 1,000 policies) for the ratio to mean anything. That absence is not evidence of a clean record.

What these complaints were about

TDI issue tags and confirmed reasons
Issue tags across all 186 complaints
Adjuster's handling86 · 18 confirmed
Water damage59 · 11 confirmed
Roof46 · 9 confirmed
Damage dispute33 · 6 confirmed
Deductible29 · 9 confirmed
Plumbing26 · 6 confirmed
Hail24 · 3 confirmed
Wind24 · 8 confirmed
Tags overlap and TDI records them on about 78% of complaints, so these are floors.
How the 33 confirmed complaints closed
Corrective action taken20 · 61%
Information furnished17 · 52%
Contract language / legal issue16 · 48%
Additional Payment Expected11 · 33%
Company position upheld8 · 24%
Question of fact6 · 18%
Additional monies received5 · 15%
Claim settled5 · 15%
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
202371 filed · 5 confirmed
202454 filed · 13 confirmed
202545 filed · 11 confirmed
202616 filed · 4 confirmed

The records

120 most recent of 186 · confirmed rows shaded
ReceivedClosedTDI verdictWhat the complaint was aboutHow it closed
Jul 1, 2026Jul 20, 2026
19 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerHailAdjuster's handling
Question of fact
Jun 18, 2026Jul 1, 2026
13 days		Not confirmed
Policyholder serviceWater damage
Question of factContract language / legal issueInformation furnished
May 27, 2026Jun 19, 2026
23 days		Confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Contract language / legal issueInformation furnishedAdditional Payment Expected
Apr 27, 2026May 19, 2026
22 days		Confirmed
Claim service & handlingClaim denialWater damagePlumbing
Information furnishedAdditional Payment ExpectedCorrective action taken
Apr 21, 2026May 18, 2026
27 days		Not confirmed
Claim service & handlingPolicyholder servicePremium & ratingRoofHailDeductible
Information furnishedContract language / legal issueCompany position upheld
Apr 14, 2026May 6, 2026
22 days		Not confirmed
Claim denialMold
Contract language / legal issueInformation furnishedCompany position upheld
Mar 25, 2026Apr 21, 2026
27 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofWater damageWindDamage disputeDepreciationAdjuster's handling
Contract language / legal issueCompany position upheldQuestion of fact
Mar 20, 2026Apr 16, 2026
27 days		Not confirmed
Claim service & handlingDelay — claims handlingPremium & ratingHailWindAdjuster's handling
Contract language / legal issueCompany position upheldInformation furnished
Mar 18, 2026Apr 16, 2026
29 days		Not confirmed
Premium NoticePremium & ratingRefund of premium
Information furnishedCompany position upheld
Mar 13, 2026Apr 17, 2026
35 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offer
Question of factContract language / legal issueCompany position upheld
Feb 17, 2026Mar 9, 2026
20 days		Not confirmed
Policyholder servicePremium NoticePremium & ratingRefund of premium
Question of factInformation furnishedCompany position upheld
Feb 11, 2026Mar 26, 2026
43 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offer
Company position upheldContract language / legal issue
Feb 9, 2026Mar 24, 2026
43 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageDamage disputeDeductibleAdjuster's handling
Company position upheldContract language / legal issueQuestion of fact
Jan 12, 2026Mar 6, 2026
53 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerLoss of use
Appraisal Process InvokedInformation furnishedContract language / legal issue
Jan 9, 2026Feb 17, 2026
39 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailAppraisalAdjuster's handling
Company position upheldContract language / legal issue
Jan 7, 2026Feb 23, 2026
47 days		Not confirmed
Premium & rating
Information furnishedCompany position upheldQuestion of fact
Dec 1, 2025Mar 9, 2026
98 days		Not confirmed
Claim service & handlingDelay — claims handling
Information furnishedCompany position upheld
Nov 13, 2025Jan 14, 2026
62 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerAdjuster's handling
Contract language / legal issueCompany position upheld
Nov 6, 2025Feb 4, 2026
90 days		Not confirmed
Policyholder serviceDelay — policyholder servicePremium & rating
Contract language / legal issuePremium Refunded
Nov 6, 2025Jan 12, 2026
67 days		Confirmed
Policyholder serviceNon-Renewal
Company position upheldContract language / legal issueQuestion of fact
Oct 13, 2025Feb 9, 2026
119 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofAdjuster's handling
Question of factClaim settledCompany position upheld
Oct 10, 2025Jan 23, 2026
105 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailDamage disputeAdjuster's handling
Contract language / legal issueQuestion of fact
Sep 19, 2025Jan 15, 2026
118 days		Not confirmed
Policyholder service
Company position upheldContract language / legal issue
Sep 2, 2025Jan 12, 2026
132 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offer
Company position upheldContract language / legal issue
Sep 2, 2025Jan 16, 2026
136 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offer
Corrective action takenInformation furnishedAdditional monies received
Aug 29, 2025Sep 30, 2025
32 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialRoofHailWindAdjuster's handling
Information furnishedClaim settledQuestion of fact
Aug 18, 2025Oct 10, 2025
53 days		Not confirmed
Claim service & handlingDelay — claims handlingDepreciation
Company position upheldInformation furnished
Aug 11, 2025Nov 6, 2025
87 days		Not confirmed
Premium & rating
Information furnishedContract language / legal issue
Jul 25, 2025Sep 18, 2025
55 days		Confirmed
Unsatisfactory settlement or offerAdjuster's handling
Contract language / legal issueClaim settledCorrective action taken
Jul 18, 2025Oct 23, 2025
97 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWindDepreciation
Information furnishedContract language / legal issue
Jul 18, 2025Sep 16, 2025
60 days		Confirmed
Delay — claims handlingUnsatisfactory settlement or offerDeductibleDepreciation
Information furnishedCompany position upheldContract language / legal issue
Jul 8, 2025Nov 21, 2025
136 days		Not confirmed
Unsatisfactory settlement or offerWater damageDamage disputePlumbing
Information furnishedCompany position upheldQuestion of fact
Jul 8, 2025Sep 16, 2025
70 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerAdjuster's handling
Contract language / legal issueInformation furnishedQuestion of fact
Jul 1, 2025Nov 3, 2025
125 days		Confirmed
Policyholder serviceDelay — policyholder servicePremium & ratingUnsatisfactory settlement or offerRoofDeductibleAdjuster's handling
Corrective action takenContract language / legal issueCompany position upheld
Jun 23, 2025Nov 12, 2025
142 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerDamage disputeAppraisalLoss of useAdjuster's handling
Additional Payment ExpectedCompany position upheldQuestion of fact
Jun 12, 2025Oct 27, 2025
137 days		Not confirmed
Premium & ratingRefund of premiumDeductible
Premium RefundedContract language / legal issue
Jun 9, 2025Sep 29, 2025
112 days		Confirmed
Policyholder service
Additional Payment ExpectedCorrective action takenInformation furnished
Jun 2, 2025Oct 3, 2025
123 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerAdjuster's handling
Contract language / legal issueQuestion of factAdditional Payment Expected
Jun 2, 2025Sep 30, 2025
120 days		Not confirmed
Claim denial
Company position upheldContract language / legal issueQuestion of fact
May 23, 2025Jul 10, 2025
48 days		Not confirmed
Unsatisfactory settlement or offerWater damageMoldAdjuster's handling
Company position upheldInformation furnishedContract language / legal issue
May 12, 2025Aug 18, 2025
98 days		Not confirmed
Policyholder servicePremium & ratingRefund of premium
Contract language / legal issueInformation furnished
May 7, 2025Aug 9, 2025
94 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageWindLoss of useMoldAdjuster's handling
Additional Payment ExpectedContract language / legal issueQuestion of fact
May 6, 2025Sep 9, 2025
126 days		Not confirmed
Policyholder serviceDelay — policyholder serviceRefund of premium
Company position upheldInformation furnishedQuestion of fact
May 6, 2025Aug 7, 2025
93 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWater damageWindDamage disputeAdjuster's handling
Company position upheldContract language / legal issue
May 5, 2025Sep 9, 2025
127 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Question of factContract language / legal issueCompany position upheld
Apr 28, 2025Aug 21, 2025
115 days		Not confirmed
Claim service & handlingPolicyholder serviceNotice RequirementsUnsatisfactory settlement or offerRoofHailWindDamage disputeDeductibleAdjuster's handling
Question of factContract language / legal issueCompany position upheld
Apr 1, 2025May 21, 2025
50 days		Not confirmed
Policyholder serviceRefund of premium
Information furnishedQuestion of fact
Mar 20, 2025Jun 25, 2025
97 days		Not confirmed
Claim service & handlingDeductibleAppraisal
Information furnishedContract language / legal issueQuestion of fact
Mar 6, 2025Apr 7, 2025
32 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damageLoss of useAdjuster's handling
Contract language / legal issueCompany position upheldClaim settled
Mar 5, 2025Apr 8, 2025
34 days		Not confirmed
CancellationPolicyholder service
Company position upheldContract language / legal issueInformation furnished
Feb 25, 2025Jun 12, 2025
107 days		Confirmed
Claim service & handlingDelay — claims handlingRoofWater damageWindDamage disputeLoss of useAdjuster's handling
Additional Payment ExpectedCorrective action takenAdditional monies received
Feb 24, 2025Jul 10, 2025
136 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWindDamage disputeDeductibleAdjuster's handling
Claim settledInformation furnishedCorrective action taken
Feb 21, 2025Mar 17, 2025
24 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerWater damageLoss of useMold
Claim settledInformation furnishedQuestion of fact
Feb 18, 2025Jun 27, 2025
129 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWindDeductible
Company position upheldQuestion of factContract language / legal issue
Feb 18, 2025Jun 27, 2025
129 days		Not confirmed
Premium & rating
Company position upheldInformation furnishedContract language / legal issue
Feb 13, 2025Jun 4, 2025
111 days		Not confirmed
Cancellation
Company position upheldInformation furnishedContract language / legal issue
Feb 5, 2025May 20, 2025
104 days		Confirmed
Claim service & handlingDelay — claims handlingPremium & ratingUnsatisfactory settlement or offerRoofHailWindDamage disputeDeductibleDepreciationAdjuster's handling
Additional monies receivedCorrective action taken
Jan 27, 2025Jun 3, 2025
127 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerDamage disputeAppraisalLoss of useAdjuster's handling
Contract language / legal issueAppraisal Process InvokedAdditional Payment Expected
Jan 17, 2025Jun 20, 2025
154 days		Not confirmed
Claim service & handlingDelay — claims handlingNon-Renewal
Question of factCompany position upheldContract language / legal issue
Jan 2, 2025Jan 6, 2025
4 days		Not confirmed
Delay — policyholder service
Information furnishedComplaint Withdrawn
Jan 2, 2025Mar 28, 2025
85 days		Not confirmed
Claim denialRoofHailWater damageWindAdjuster's handling
Contract language / legal issueCompany position upheldInformation furnished
Dec 30, 2024May 27, 2025
148 days		Not confirmed
Premium & rating
Contract language / legal issueCompany position upheldInformation furnished
Dec 30, 2024May 14, 2025
135 days		Confirmed
Unsatisfactory settlement or offerWater damageWindDepreciationAdjuster's handling
Claim settledContract language / legal issueCorrective action taken
Dec 5, 2024Feb 5, 2025
62 days		Confirmed
Claim service & handlingDelay — claims handlingRoofAdjuster's handling
Corrective action takenInformation furnishedAdditional Payment Expected
Dec 3, 2024May 9, 2025
157 days		Not confirmed
Premium & rating
Information furnished
Dec 2, 2024Apr 30, 2025
149 days		Not confirmed
Premium & rating
Contract language / legal issueQuestion of factInformation furnished
Nov 8, 2024Mar 12, 2025
124 days		Not confirmed
Delay — claims handlingRoofWater damageWindDeductible
Contract language / legal issueAdditional Payment ExpectedInformation furnished
Nov 4, 2024Jan 3, 2025
60 days		Not confirmed
Delay — claims handlingClaim denialLiability DisputeWater damagePlumbingAdjuster's handling
Company position upheldContract language / legal issueInformation furnished
Oct 31, 2024Apr 28, 2025
179 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputePlumbingFoundationAdjuster's handling
Company position upheldContract language / legal issueAdditional monies received
Oct 30, 2024Apr 14, 2025
166 days		Not confirmed
Unsatisfactory settlement or offerRoofWater damageDamage disputeAppraisal
Information furnishedAppraisal Process InvokedContract language / legal issue
Oct 29, 2024Nov 27, 2024
29 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damageWindAdjuster's handling
Company position upheldContract language / legal issue
Oct 28, 2024Jan 27, 2025
91 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageMold
Appraisal Process InvokedContract language / legal issueQuestion of fact
Oct 28, 2024Feb 28, 2025
123 days		Confirmed
Claim service & handlingDelay — claims handlingWindAppraisal
Corrective action takenClaim settledInformation furnished
Oct 24, 2024Apr 4, 2025
162 days		Not confirmed
Other
Question of factInformation furnished
Oct 18, 2024Feb 25, 2025
130 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailDepreciationAdjuster's handling
Contract language / legal issueInformation furnishedQuestion of fact
Oct 14, 2024Nov 6, 2024
23 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerAdjuster's handling
Information furnishedAdditional monies receivedContract language / legal issue
Sep 24, 2024Feb 10, 2025
139 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWind
Information furnishedClaim settledAdditional Payment Expected
Sep 20, 2024Jan 30, 2025
132 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageWindDamage disputeDeductibleDepreciation
Information furnishedContract language / legal issueAdditional Payment Expected
Sep 17, 2024Mar 4, 2025
168 days		Confirmed
Claim service & handlingDelay — claims handlingClaim denialWater damageDamage disputePlumbingDeductibleFoundationAdjuster's handling
Company position upheldContract language / legal issueQuestion of fact
Sep 16, 2024Nov 22, 2024
67 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageDamage disputePlumbingAppraisalDepreciationMoldAdjuster's handling
Appraisal Process InvokedContract language / legal issueInformation furnished
Aug 28, 2024Jan 3, 2025
128 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageWindDamage disputeDeductibleDepreciationAdjuster's handling
Information furnishedContract language / legal issueAdditional monies received
Aug 27, 2024Nov 8, 2024
73 days		Confirmed
Claim service & handlingDelay — claims handlingWater damageDeductibleMoldAdjuster's handling
Claim settledInformation furnished
Aug 26, 2024Nov 19, 2024
85 days		Not confirmed
Unsatisfactory settlement or offerRoofWater damageWindDepreciation
Contract language / legal issueAdditional Payment ExpectedQuestion of fact
Aug 22, 2024Oct 28, 2024
67 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailDamage disputeAdjuster's handling
Question of factInformation furnishedAdditional Payment Expected
Aug 22, 2024Apr 29, 2025
250 days		Not confirmed
Cancellation
Contract language / legal issueCompany position upheld
Aug 20, 2024Oct 23, 2024
64 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingLoss of useAdjuster's handling
Additional monies receivedAdditional Payment ExpectedQuestion of fact
Aug 19, 2024Dec 18, 2024
121 days		Not confirmed
Unsatisfactory settlement or offerRoofHailWater damageAdjuster's handling
Information furnishedContract language / legal issueAdditional monies received
Aug 16, 2024Oct 23, 2024
68 days		Confirmed
Premium NoticePremium & rating
Information furnishedCorrective action taken
Aug 12, 2024Oct 15, 2024
64 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingAppraisalAdjuster's handling
Additional Payment ExpectedAppraisal Process InvokedInformation furnished
Aug 8, 2024Dec 4, 2024
118 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofWater damageDeductibleDepreciationLoss of useAdjuster's handling
Contract language / legal issueClaim settledQuestion of fact
Aug 5, 2024Dec 18, 2024
135 days		Not confirmed
Refund of premium
Premium RefundedQuestion of factInformation furnished
Aug 2, 2024Oct 11, 2024
70 days		Not confirmed
Policyholder service
Information furnished
Jul 30, 2024Oct 21, 2024
83 days		Confirmed
Claim service & handlingDelay — claims handlingWater damagePlumbingLoss of useMoldAdjuster's handling
Contract language / legal issueInformation furnishedAdditional Payment Expected
Jul 18, 2024Oct 11, 2024
85 days		Not confirmed
Claim service & handlingDelay — claims handlingWindLoss of useAdjuster's handling
Additional Payment ExpectedInformation furnished
Jul 17, 2024Oct 29, 2024
104 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageWindDeductibleDepreciationLoss of useFoundationAdjuster's handling
Contract language / legal issueCompany position upheldQuestion of fact
Jul 11, 2024Oct 7, 2024
88 days		Not confirmed
Claim service & handlingClaim denialRoofAdjuster's handling
Company position upheldContract language / legal issue
Jun 17, 2024Jul 31, 2024
44 days		Not confirmed
Delay — claims handlingAdjuster's handling
Information furnishedAdditional monies received
Jun 7, 2024Sep 9, 2024
94 days		Not confirmed
CancellationPolicyholder serviceRefund of premium
Contract language / legal issueCompany position upheldQuestion of fact
Jun 3, 2024Jul 16, 2024
43 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerWater damagePlumbing
Company position upheldContract language / legal issue
Jun 3, 2024Oct 15, 2024
134 days		Not confirmed
CancellationPolicyholder servicePremium Notice
Contract language / legal issueCompany position upheldQuestion of fact
May 28, 2024Aug 15, 2024
79 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWater damageWindDamage dispute
Company position upheldInformation furnished
May 23, 2024Jul 25, 2024
63 days		Not confirmed
Unsatisfactory settlement or offerWind
Company position upheldContract language / legal issue
May 23, 2024Jul 25, 2024
63 days		Not confirmed
Claim denial
Information furnishedQuestion of fact
May 17, 2024Aug 22, 2024
97 days		Not confirmed
Unsatisfactory settlement or offerWater damagePlumbingLoss of useAdjuster's handling
Contract language / legal issueAdditional Payment ExpectedQuestion of fact
May 9, 2024Jul 23, 2024
75 days		Confirmed
CancellationPolicyholder service
Corrective action takenPolicy Issued/Restored
May 6, 2024Jul 12, 2024
67 days		Not confirmed
CancellationRefund of premium
Contract language / legal issueInformation furnishedCompany position upheld
Apr 11, 2024Jun 6, 2024
56 days		Confirmed
Premium & rating
Question of factCorrective action takenCompany position upheld
Apr 9, 2024Jun 27, 2024
79 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerAppraisalLoss of useAdjuster's handling
Additional monies receivedAppraisal Process InvokedAdditional Payment Expected
Apr 4, 2024May 16, 2024
42 days		Not confirmed
Premium & ratingHailDeductible
Contract language / legal issueInformation furnished
Apr 3, 2024Jun 28, 2024
86 days		Confirmed
Cancellation
Information furnishedPremium RefundedCorrective action taken
Apr 1, 2024May 8, 2024
37 days		Confirmed
Claim service & handlingDelay — claims handlingRoofAdjuster's handling
Corrective action takenAdditional Payment Expected
Mar 12, 2024Apr 25, 2024
44 days		Not confirmed
Delay — policyholder serviceRefund of premium
Information furnishedQuestion of factPremium Refunded
Feb 8, 2024Apr 16, 2024
68 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerRoof
Additional Payment ExpectedInformation furnished
Jan 29, 2024Mar 13, 2024
44 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailDamage disputeAppraisalAdjuster's handling
Information furnishedQuestion of factAdditional Payment Expected
Jan 12, 2024Jan 31, 2024
19 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerDeductibleAdjuster's handling
Corrective action takenAdditional Payment ExpectedContract language / legal issue
Dec 27, 2023Mar 11, 2024
75 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerDamage disputeAppraisalLoss of useAdjuster's handling
Question of factInformation furnishedAdditional Payment Expected
Dec 20, 2023Jan 23, 2024
34 days		Confirmed
Unsatisfactory settlement or offerWater damagePlumbingAdjuster's handling
Contract language / legal issueAppraisal Process InvokedAdditional Payment Expected
Dec 18, 2023Mar 4, 2024
77 days		Not confirmed
Unsatisfactory settlement or offerRoofHailWater damageDamage disputeDeductibleAdjuster's handling
Contract language / legal issueQuestion of factClaim settled
Dec 14, 2023Feb 16, 2024
64 days		Not confirmed
Delay — claims handlingWater damageAdjuster's handling
Question of factContract language / legal issueAdditional Payment Expected
Dec 11, 2023Feb 8, 2024
59 days		Confirmed
Claim denialWater damagePlumbingAdjuster's handling
Additional monies receivedCorrective 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 186 records; the counts everywhere else on this page cover all 186. The full set is downloadable from the Texas Open Data Portal.

Compare

Carriers with a similar volume of Texas homeowner complaints
Allstate Indemnity Company
57 confirmed of 222
Texas Windstorm Insurance Association
20 confirmed of 199
Nationwide Mutual Insurance Company
46 confirmed of 189
Germania Farm Mutual Insurance Association
23 confirmed of 176
Meridian Security Insurance Company
20 confirmed of 176
Goosehead Insurance Agency, LLC
58 confirmed of 175

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 Homeowners of America 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 Homeowners of America Insurance Company.