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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 188 homeowner complaints against Homeowners of America Insurance Company between January 1, 2023 and July 21, 2026. The state reviewed them and agreed with the homeowner 34 times. Across all 188, 18 ended with the carrier paying the homeowner more money — 6 of them complaints the state had confirmed.

34
complaints confirmed by TDI
18.1%
of complaints confirmed · 3.9 points below the statewide average.
n/a
no TDI policy count published
18
of all 188 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 188 complaints
Adjuster's handling87 · 19 confirmed
Water damage59 · 11 confirmed
Roof48 · 10 confirmed
Damage dispute34 · 7 confirmed
Deductible30 · 9 confirmed
Hail26 · 4 confirmed
Wind26 · 9 confirmed
Plumbing26 · 6 confirmed
Tags overlap and TDI records them on about 78% of complaints, so these are floors.
How the 34 confirmed complaints closed
Corrective action taken21 · 62%
Information furnished18 · 53%
Contract language / legal issue16 · 47%
Additional Payment Expected11 · 32%
Company position upheld8 · 24%
Additional monies received6 · 18%
Question of fact6 · 18%
Claim settled5 · 15%
One complaint can close with several dispositions, so shares overlap. Median time from filing to close: 70 days, against 70 statewide.

By year

Complaints received · 2026 is partial
202371 filed · 5 confirmed
202454 filed · 13 confirmed
202545 filed · 11 confirmed
202618 filed · 5 confirmed

The records

120 most recent of 188 · confirmed rows shaded
ReceivedClosedTDI verdictWhat the complaint was aboutHow it closed
Jul 13, 2026Jul 31, 2026
18 days		Not confirmed
Claim service & handlingPolicyholder serviceEndorsement / RiderUnsatisfactory settlement or offerRoofHailWindDeductible
Question of factContract language / legal issue
Jul 9, 2026Jul 27, 2026
18 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWindDamage disputeAppraisalAdjuster's handling
Corrective action takenAdditional monies receivedInformation furnished
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
Contract language / legal issueQuestion of factInformation 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 furnishedCompany position upheldContract language / legal issue
Apr 14, 2026May 6, 2026
22 days		Not confirmed
Claim denialMold
Information furnishedContract language / legal issueCompany position upheld
Mar 25, 2026Apr 21, 2026
27 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofWater damageWindDamage disputeDepreciationAdjuster's handling
Company position upheldQuestion of factContract language / legal issue
Mar 20, 2026Apr 16, 2026
27 days		Not confirmed
Claim service & handlingDelay — claims handlingPremium & ratingHailWindAdjuster's handling
Information furnishedContract language / legal issueCompany position upheld
Mar 18, 2026Apr 16, 2026
29 days		Not confirmed
Premium NoticePremium & ratingRefund of premium
Company position upheldInformation furnished
Mar 13, 2026Apr 17, 2026
35 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offer
Contract language / legal issueQuestion of factCompany 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
Contract language / legal issueCompany position upheld
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 InvokedContract language / legal issueInformation furnished
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
Question of factInformation furnishedCompany position upheld
Dec 1, 2025Mar 9, 2026
98 days		Not confirmed
Claim service & handlingDelay — claims handling
Company position upheldInformation furnished
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 upheldQuestion of factContract language / legal issue
Oct 13, 2025Feb 9, 2026
119 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofAdjuster's handling
Claim settledQuestion of factCompany position upheld
Oct 10, 2025Jan 23, 2026
105 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailDamage disputeAdjuster's handling
Question of factContract language / legal issue
Sep 19, 2025Jan 15, 2026
118 days		Not confirmed
Policyholder service
Contract language / legal issueCompany position upheld
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 takenAdditional monies receivedInformation furnished
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
Information furnishedCompany position upheld
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
Corrective action takenClaim settledContract language / legal issue
Jul 18, 2025Oct 23, 2025
97 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWindDepreciation
Contract language / legal issueInformation furnished
Jul 18, 2025Sep 16, 2025
60 days		Confirmed
Delay — claims handlingUnsatisfactory settlement or offerDeductibleDepreciation
Contract language / legal issueCompany position upheldInformation furnished
Jul 8, 2025Nov 21, 2025
136 days		Not confirmed
Unsatisfactory settlement or offerWater damageDamage disputePlumbing
Question of factCompany position upheldInformation furnished
Jul 8, 2025Sep 16, 2025
70 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerAdjuster's handling
Information furnishedQuestion of factContract language / legal issue
Jul 1, 2025Nov 3, 2025
125 days		Confirmed
Policyholder serviceDelay — policyholder servicePremium & ratingUnsatisfactory settlement or offerRoofDeductibleAdjuster's handling
Company position upheldContract language / legal issueCorrective action taken
Jun 23, 2025Nov 12, 2025
142 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerDamage disputeAppraisalLoss of useAdjuster's handling
Additional Payment ExpectedQuestion of factCompany position upheld
Jun 12, 2025Oct 27, 2025
137 days		Not confirmed
Premium & ratingRefund of premiumDeductible
Contract language / legal issuePremium Refunded
Jun 9, 2025Sep 29, 2025
112 days		Confirmed
Policyholder service
Information furnishedAdditional Payment ExpectedCorrective action taken
Jun 2, 2025Oct 3, 2025
123 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerAdjuster's handling
Contract language / legal issueAdditional Payment ExpectedQuestion of fact
Jun 2, 2025Sep 30, 2025
120 days		Not confirmed
Claim denial
Contract language / legal issueCompany position upheldQuestion of fact
May 23, 2025Jul 10, 2025
48 days		Not confirmed
Unsatisfactory settlement or offerWater damageMoldAdjuster's handling
Contract language / legal issueCompany position upheldInformation furnished
May 12, 2025Aug 18, 2025
98 days		Not confirmed
Policyholder servicePremium & ratingRefund of premium
Information furnishedContract language / legal issue
May 7, 2025Aug 9, 2025
94 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageWindLoss of useMoldAdjuster's handling
Contract language / legal issueQuestion of factAdditional Payment Expected
May 6, 2025Sep 9, 2025
126 days		Not confirmed
Policyholder serviceDelay — policyholder serviceRefund of premium
Information furnishedQuestion of factCompany position upheld
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
Company position upheldContract language / legal issueQuestion of fact
Apr 28, 2025Aug 21, 2025
115 days		Not confirmed
Claim service & handlingPolicyholder serviceNotice RequirementsUnsatisfactory settlement or offerRoofHailWindDamage disputeDeductibleAdjuster's handling
Question of factCompany position upheldContract language / legal issue
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 furnishedQuestion of factContract language / legal issue
Mar 6, 2025Apr 7, 2025
32 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damageLoss of useAdjuster's handling
Claim settledContract language / legal issueCompany position upheld
Mar 5, 2025Apr 8, 2025
34 days		Not confirmed
CancellationPolicyholder service
Contract language / legal issueInformation furnishedCompany position upheld
Feb 25, 2025Jun 12, 2025
107 days		Confirmed
Claim service & handlingDelay — claims handlingRoofWater damageWindDamage disputeLoss of useAdjuster's handling
Additional monies receivedAdditional Payment ExpectedCorrective action taken
Feb 24, 2025Jul 10, 2025
136 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWindDamage disputeDeductibleAdjuster's handling
Information furnishedClaim settledCorrective 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 upheldContract language / legal issueQuestion of fact
Feb 18, 2025Jun 27, 2025
129 days		Not confirmed
Premium & rating
Information furnishedContract language / legal issueCompany position upheld
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
Corrective action takenAdditional monies received
Jan 27, 2025Jun 3, 2025
127 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerDamage disputeAppraisalLoss of useAdjuster's handling
Appraisal Process InvokedAdditional Payment ExpectedContract language / legal issue
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
Complaint WithdrawnInformation furnished
Jan 2, 2025Mar 28, 2025
85 days		Not confirmed
Claim denialRoofHailWater damageWindAdjuster's handling
Information furnishedCompany position upheldContract language / legal issue
Dec 30, 2024May 27, 2025
148 days		Not confirmed
Premium & rating
Company position upheldContract language / legal issueInformation furnished
Dec 30, 2024May 14, 2025
135 days		Confirmed
Unsatisfactory settlement or offerWater damageWindDepreciationAdjuster's handling
Contract language / legal issueCorrective action takenClaim settled
Dec 5, 2024Feb 5, 2025
62 days		Confirmed
Claim service & handlingDelay — claims handlingRoofAdjuster's handling
Information furnishedAdditional Payment ExpectedCorrective action taken
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
Additional Payment ExpectedInformation furnishedContract language / legal issue
Nov 4, 2024Jan 3, 2025
60 days		Not confirmed
Delay — claims handlingClaim denialLiability DisputeWater damagePlumbingAdjuster's handling
Information furnishedCompany position upheldContract language / legal issue
Oct 31, 2024Apr 28, 2025
179 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputePlumbingFoundationAdjuster's handling
Contract language / legal issueAdditional monies receivedCompany position upheld
Oct 30, 2024Apr 14, 2025
166 days		Not confirmed
Unsatisfactory settlement or offerRoofWater damageDamage disputeAppraisal
Information furnishedContract language / legal issueAppraisal Process Invoked
Oct 29, 2024Nov 27, 2024
29 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damageWindAdjuster's handling
Contract language / legal issueCompany position upheld
Oct 28, 2024Jan 27, 2025
91 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageMold
Question of factAppraisal Process InvokedContract language / legal issue
Oct 28, 2024Feb 28, 2025
123 days		Confirmed
Claim service & handlingDelay — claims handlingWindAppraisal
Corrective action takenInformation furnishedClaim settled
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
Contract language / legal issueInformation furnishedAdditional monies received
Sep 24, 2024Feb 10, 2025
139 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWind
Information furnishedAdditional Payment ExpectedClaim settled
Sep 20, 2024Jan 30, 2025
132 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageWindDamage disputeDeductibleDepreciation
Additional Payment ExpectedContract language / legal issueInformation furnished
Sep 17, 2024Mar 4, 2025
168 days		Confirmed
Claim service & handlingDelay — claims handlingClaim denialWater damageDamage disputePlumbingDeductibleFoundationAdjuster's handling
Question of factCompany position upheldContract language / legal issue
Sep 16, 2024Nov 22, 2024
67 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageDamage disputePlumbingAppraisalDepreciationMoldAdjuster's handling
Contract language / legal issueAppraisal Process InvokedInformation furnished
Aug 28, 2024Jan 3, 2025
128 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageWindDamage disputeDeductibleDepreciationAdjuster's handling
Information furnishedAdditional monies receivedContract language / legal issue
Aug 27, 2024Nov 8, 2024
73 days		Confirmed
Claim service & handlingDelay — claims handlingWater damageDeductibleMoldAdjuster's handling
Information furnishedClaim settled
Aug 26, 2024Nov 19, 2024
85 days		Not confirmed
Unsatisfactory settlement or offerRoofWater damageWindDepreciation
Additional Payment ExpectedQuestion of factContract language / legal issue
Aug 22, 2024Oct 28, 2024
67 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailDamage disputeAdjuster's handling
Question of factAdditional Payment ExpectedInformation furnished
Aug 22, 2024Apr 29, 2025
250 days		Not confirmed
Cancellation
Company position upheldContract language / legal issue
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
Contract language / legal issueAdditional monies receivedInformation furnished
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
Appraisal Process InvokedInformation furnishedAdditional Payment Expected
Aug 8, 2024Dec 4, 2024
118 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofWater damageDeductibleDepreciationLoss of useAdjuster's handling
Question of factContract language / legal issueClaim settled
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
Information furnishedAdditional Payment ExpectedContract language / legal issue
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
Contract language / legal issueCompany position upheld
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 issueQuestion of factCompany position upheld
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 issueQuestion of factCompany position upheld
May 28, 2024Aug 15, 2024
79 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWater damageWindDamage dispute
Information furnishedCompany position upheld
May 23, 2024Jul 25, 2024
63 days		Not confirmed
Unsatisfactory settlement or offerWind
Contract language / legal issueCompany position upheld
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 issueQuestion of factAdditional Payment Expected
May 9, 2024Jul 23, 2024
75 days		Confirmed
CancellationPolicyholder service
Policy Issued/RestoredCorrective action taken
May 6, 2024Jul 12, 2024
67 days		Not confirmed
CancellationRefund of premium
Information furnishedCompany position upheldContract language / legal issue
Apr 11, 2024Jun 6, 2024
56 days		Confirmed
Premium & rating
Company position upheldQuestion of factCorrective action taken
Apr 9, 2024Jun 27, 2024
79 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerAppraisalLoss of useAdjuster's handling
Additional Payment ExpectedAdditional monies receivedAppraisal Process Invoked
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
Premium RefundedCorrective action takenInformation furnished
Apr 1, 2024May 8, 2024
37 days		Confirmed
Claim service & handlingDelay — claims handlingRoofAdjuster's handling
Additional Payment ExpectedCorrective action taken
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
Information furnishedAdditional Payment Expected
Jan 29, 2024Mar 13, 2024
44 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailDamage disputeAppraisalAdjuster's handling
Additional Payment ExpectedQuestion of factInformation furnished
Jan 12, 2024Jan 31, 2024
19 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerDeductibleAdjuster's handling
Corrective action takenContract language / legal issueAdditional Payment Expected
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
Additional Payment ExpectedContract language / legal issueAppraisal Process Invoked
Dec 18, 2023Mar 4, 2024
77 days		Not confirmed
Unsatisfactory settlement or offerRoofHailWater damageDamage disputeDeductibleAdjuster's handling
Question of factClaim settledContract language / legal issue

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 188 records; the counts everywhere else on this page cover all 188. 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
Garrison Property and Casualty Insurance Company
53 confirmed of 177
Germania Farm Mutual Insurance Association
23 confirmed of 176
Meridian Security Insurance Company
20 confirmed of 176

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 August 3, 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.