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Texas Carrier Complaint Index/Occidental Fire & Casualty Company of North Carolina

Texas Department of Insurance record

Occidental Fire & Casualty Company of North Carolina

Texans filed 107 homeowner complaints against Occidental Fire & Casualty Company of North Carolina between January 1, 2023 and July 15, 2026. The state reviewed them and agreed with the homeowner 14 times. Across all 107, 7 ended with the carrier paying the homeowner more money — 4 of them complaints the state had confirmed.

14
complaints confirmed by TDI
13.1%
of complaints confirmed · 8.9 points below the statewide average.
1.27×
complaints per policy vs. average (2025)
7
of all 107 complaints ended with additional money paid

TDI weighs complaints against business written: 37,017 homeowners policies in force in 2025. This carrier draws more complaints than its size predicts. The index covers that year alone; the complaint counts on this page cover the whole window since 2023.

What these complaints were about

TDI issue tags and confirmed reasons
Issue tags across all 107 complaints
Adjuster's handling38 · 8 confirmed
Roof33 · 6 confirmed
Water damage22 · 4 confirmed
Hail19 · 3 confirmed
Wind18 · 3 confirmed
Deductible14 · 0 confirmed
Damage dispute10 · 0 confirmed
Mold7 · 0 confirmed
Tags overlap and TDI records them on about 78% of complaints, so these are floors.
How the 14 confirmed complaints closed
Corrective action taken13 · 93%
Information furnished7 · 50%
Claim settled4 · 29%
Additional monies received4 · 29%
Additional Payment Expected3 · 21%
Premium Refunded2 · 14%
Contract language / legal issue2 · 14%
Non-renewal rescinded1 · 7%
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
202332 filed · 1 confirmed
202444 filed · 7 confirmed
202522 filed · 5 confirmed
20269 filed · 1 confirmed

The records

All 107 records · confirmed rows shaded
ReceivedClosedTDI verdictWhat the complaint was aboutHow it closed
Jun 23, 2026Jul 20, 2026
27 days		Not confirmed
Policyholder serviceDelay — policyholder serviceRefund of premium
Contract language / legal issueCompany position upheld
Jun 16, 2026Jul 2, 2026
16 days		Not confirmed
CancellationPolicyholder serviceRoof
Information furnishedPolicy Issued/Restored
Apr 20, 2026Jun 22, 2026
63 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWater damageDamage dispute
Additional Payment ExpectedInformation furnishedContract language / legal issue
Apr 16, 2026Jun 15, 2026
60 days		Not confirmed
Refund of premium
Company position upheldContract language / legal issue
Mar 20, 2026Apr 8, 2026
19 days		Not confirmed
Delay — claims handlingPolicy ExclusionRoofHailWater damageWindAdjuster's handling
Information furnishedQuestion of factClaim settled
Mar 18, 2026Apr 16, 2026
29 days		Not confirmed
Refund of premium
Question of factCompany position upheldInformation furnished
Mar 4, 2026Mar 23, 2026
19 days		Not confirmed
Refund of premium
Information furnishedQuestion of factContract language / legal issue
Mar 2, 2026Apr 2, 2026
31 days		Not confirmed
CancellationDelay — policyholder serviceRefund of premium
Contract language / legal issueCompany position upheldInformation furnished
Feb 24, 2026Mar 25, 2026
29 days		Confirmed
Claim service & handlingDelay — claims handling
Corrective action takenClaim settled
Nov 6, 2025Feb 6, 2026
92 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWindAdjuster's handling
Contract language / legal issue
Sep 24, 2025Oct 28, 2025
34 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Information furnishedComplaint Withdrawn
Sep 19, 2025Nov 21, 2025
63 days		Not confirmed
Policyholder serviceRefund of premium
Company position upheldContract language / legal issueInformation furnished
Aug 29, 2025Dec 10, 2025
103 days		Not confirmed
Policyholder serviceRefund of premium
Contract language / legal issueCompany position upheldQuestion of fact
Aug 22, 2025Sep 15, 2025
24 days		Confirmed
Claim service & handlingRoofWater damageAdjuster's handling
Additional monies receivedCorrective action takenInformation furnished
Jul 16, 2025Sep 18, 2025
64 days		Not confirmed
Claim denialMoldAdjuster's handling
Company position upheldQuestion of factContract language / legal issue
Jul 14, 2025Dec 1, 2025
140 days		Confirmed
Policyholder serviceDelay — policyholder serviceNon-Renewal
Corrective action takenInformation furnishedNon-renewal rescinded
Jul 9, 2025Sep 4, 2025
57 days		Not confirmed
Unsatisfactory settlement or offerWindDamage disputeAdjuster's handling
Company position upheldContract language / legal issueQuestion of fact
Jul 7, 2025Nov 5, 2025
121 days		Confirmed
Premium NoticePremium & rating
Premium RefundedRate Problem ResolvedCorrective action taken
Jun 26, 2025Nov 14, 2025
141 days		Not confirmed
Policyholder serviceDelay — policyholder serviceRefund of premium
Premium RefundedInformation furnished
May 5, 2025Aug 18, 2025
105 days		Confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Additional Payment ExpectedInformation furnished
Apr 24, 2025Oct 9, 2025
168 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWater damageAppraisalMoldAdjuster's handling
Company position upheldContract language / legal issue
Mar 31, 2025Jul 23, 2025
114 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageWindDamage dispute
Company position upheldInformation furnishedQuestion of fact
Mar 17, 2025Jul 2, 2025
107 days		Not confirmed
Delay — policyholder service
Information furnished
Mar 17, 2025Apr 18, 2025
32 days		Not confirmed
Claim service & handlingDelay — claims handlingPremium & ratingUnsatisfactory settlement or offerRoofWater damageDamage disputeDeductibleMoldAdjuster's handling
Information furnishedQuestion of factAdditional monies received
Mar 5, 2025May 15, 2025
71 days		Confirmed
Delay — policyholder serviceRefund of premium
Corrective action takenCompany position upheldContract language / legal issue
Feb 7, 2025Jul 11, 2025
154 days		Not confirmed
Cancellation
Company position upheldQuestion of factContract language / legal issue
Jan 31, 2025Jun 19, 2025
139 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Information furnishedContract language / legal issueQuestion of fact
Jan 13, 2025May 16, 2025
123 days		Not confirmed
Premium & rating
Information furnishedCompany position upheld
Jan 10, 2025May 30, 2025
140 days		Not confirmed
Premium & rating
Company position upheldContract language / legal issueInformation furnished
Jan 8, 2025Jun 16, 2025
159 days		Not confirmed
Premium & ratingHailWindDeductible
Company position upheldInformation furnishedContract language / legal issue
Jan 6, 2025Feb 12, 2025
37 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damage
Question of factClaim settledContract language / legal issue
Dec 27, 2024May 13, 2025
137 days		Not confirmed
Policyholder servicePremium & ratingRefund of premium
Question of factContract language / legal issueInformation furnished
Dec 23, 2024Jun 3, 2025
162 days		Not confirmed
CancellationDelay — policyholder serviceRoof
Question of factCompany position upheldContract language / legal issue
Dec 9, 2024May 20, 2025
162 days		Not confirmed
Cancellation
Contract language / legal issueInformation furnishedCompany position upheld
Nov 21, 2024Feb 12, 2025
83 days		Not confirmed
Unsatisfactory settlement or offerRoofHailWater damageAdjuster's handling
Company position upheldInformation furnishedContract language / legal issue
Nov 18, 2024May 23, 2025
186 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerDamage disputeAdjuster's handling
Information furnishedAdditional Payment ExpectedContract language / legal issue
Nov 6, 2024Apr 17, 2025
162 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofWater damageWindDamage disputeDeductibleMoldAdjuster's handling
Contract language / legal issueQuestion of factCompany position upheld
Nov 4, 2024Apr 15, 2025
162 days		Not confirmed
Claim denialRoofWater damageWindDamage disputeDeductibleMoldAdjuster's handling
Additional Payment ExpectedContract language / legal issueCompany position upheld
Oct 29, 2024May 1, 2025
184 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerDeductibleAdjuster's handling
Question of factClaim settledCompany position upheld
Sep 25, 2024Jan 28, 2025
125 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerDeductibleDepreciation
Contract language / legal issueInformation furnishedAdditional Payment Expected
Sep 18, 2024Oct 7, 2024
19 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerHailWindAdjuster's handling
Information furnishedQuestion of factContract language / legal issue
Sep 17, 2024Dec 18, 2024
92 days		Not confirmed
Delay — policyholder servicePremium & rating
Company position upheldInformation furnished
Sep 17, 2024Mar 7, 2025
171 days		Not confirmed
Unsatisfactory settlement or offerRoofWater damageWindDamage disputeDeductibleLoss of use
Additional Payment ExpectedQuestion of factContract language / legal issue
Sep 9, 2024Sep 9, 2024
0 days		Not confirmed
Delay — claims handlingClaim denialWater damageWindAdjuster's handling
Record Only
Sep 6, 2024Feb 26, 2025
173 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageAdjuster's handling
Additional monies receivedCorrective action takenAdditional Payment Expected
Sep 6, 2024Dec 18, 2024
103 days		Not confirmed
Refund of premium
Company position upheldContract language / legal issueInformation furnished
Aug 27, 2024Feb 10, 2025
167 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofDamage disputeDeductibleAdjuster's handling
Question of factContract language / legal issueCompany position upheld
Aug 21, 2024Sep 9, 2024
19 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damageWindAdjuster's handling
Contract language / legal issueQuestion of fact
Aug 19, 2024Oct 28, 2024
70 days		Not confirmed
Claim service & handlingClaim denialPlumbingDeductibleFoundationAdjuster's handling
Company position upheldContract language / legal issue
Aug 13, 2024Dec 12, 2024
121 days		Not confirmed
Premium & rating
Question of factInformation furnishedContract language / legal issue
Aug 8, 2024Dec 20, 2024
134 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofWindDamage disputeAdjuster's handling
Question of factContract language / legal issue
Jul 30, 2024Dec 18, 2024
141 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailWater damageWind
Information furnishedContract language / legal issueQuestion of fact
Jul 29, 2024Sep 27, 2024
60 days		Not confirmed
Premium & rating
Company position upheldContract language / legal issue
Jul 25, 2024Nov 20, 2024
118 days		Confirmed
Claim service & handlingDelay — claims handlingRoofHailWater damageWindAdjuster's handling
Claim settledContract language / legal issueCorrective action taken
Jul 23, 2024Sep 20, 2024
59 days		Confirmed
Unsatisfactory settlement or offerRoofWater damageWindAdjuster's handling
Corrective action takenClaim settled
Jul 18, 2024Oct 30, 2024
104 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damagePlumbing
Claim settledInformation furnished
Jul 18, 2024Oct 29, 2024
103 days		Not confirmed
Claim service & handlingDelay — claims handling
Question of factClaim settled
Jul 15, 2024Sep 13, 2024
60 days		Not confirmed
Premium & rating
Contract language / legal issueInformation furnished
Jul 11, 2024Sep 20, 2024
71 days		Not confirmed
Unsatisfactory settlement or offerWindDeductibleAdjuster's handling
Company position upheldContract language / legal issue
Jun 24, 2024Aug 30, 2024
67 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHail
Additional Payment ExpectedContract language / legal issueInformation furnished
Jun 20, 2024Aug 22, 2024
63 days		Not confirmed
Cancellation
Information furnishedQuestion of fact
May 30, 2024Aug 19, 2024
81 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWindAdjuster's handling
Information furnishedCorrective action takenAdditional Payment Expected
May 16, 2024Jul 25, 2024
70 days		Not confirmed
Delay — policyholder serviceRefund of premium
Question of factPremium RefundedInformation furnished
May 15, 2024Aug 5, 2024
82 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerRoofHailWindDeductibleAdjuster's handling
Additional Payment ExpectedInformation furnished
Apr 25, 2024Jun 5, 2024
41 days		Not confirmed
Refund of premium
Premium RefundedInformation furnished
Apr 22, 2024Jun 25, 2024
64 days		Confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Corrective action takenClaim settled
Apr 19, 2024Jul 11, 2024
83 days		Not confirmed
Refund of premium
Contract language / legal issueCompany position upheldInformation furnished
Apr 15, 2024Jun 11, 2024
57 days		Not confirmed
Delay — policyholder serviceRefund of premium
Information furnishedReferred ToCompany position upheld
Apr 10, 2024Jul 2, 2024
83 days		Confirmed
Unsatisfactory settlement or offerRoofHail
Corrective action takenAdditional monies receivedInformation furnished
Mar 13, 2024May 13, 2024
61 days		Not confirmed
Delay — policyholder service
Question of factInformation furnished
Mar 7, 2024May 14, 2024
68 days		Confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Information furnishedCorrective action takenAdditional monies received
Feb 20, 2024Mar 28, 2024
37 days		Not confirmed
Duplication of CoverageRefund of premium
Question of factCompany position upheldInformation furnished
Feb 9, 2024Apr 17, 2024
68 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerHailDepreciationAdjuster's handling
Additional Payment ExpectedQuestion of factInformation furnished
Feb 8, 2024Apr 19, 2024
71 days		Not confirmed
Refund of premium
Premium RefundedInformation furnishedContract language / legal issue
Jan 2, 2024Jan 16, 2024
14 days		Not confirmed
CancellationPremium & ratingRoof
Question of factInformation furnishedContract language / legal issue
Dec 21, 2023Jan 29, 2024
39 days		Not confirmed
Delay — policyholder serviceRefund of premium
Information furnishedQuestion of factContract language / legal issue
Dec 13, 2023Jan 16, 2024
34 days		Not confirmed
Refund of premium
Company position upheld
Dec 4, 2023Dec 13, 2023
9 days		Not confirmed
Claim denialAdjuster's handling
Contract language / legal issueCompany position upheld
Nov 30, 2023Jan 31, 2024
62 days		Not confirmed
Delay — policyholder serviceRefund of premium
Contract language / legal issueCompany position upheldQuestion of fact
Nov 27, 2023Jan 23, 2024
57 days		Not confirmed
Claim denial
Information furnishedContract language / legal issueCompany position upheld
Nov 21, 2023Jan 31, 2024
71 days		Not confirmed
Delay — policyholder serviceRefund of premium
Contract language / legal issueCompany position upheldQuestion of fact
Oct 24, 2023Jan 3, 2024
71 days		Not confirmed
Refund of premium
Contract language / legal issueQuestion of factCompany position upheld
Aug 14, 2023Oct 10, 2023
57 days		Not confirmed
Unsatisfactory settlement or offerRoofHailAdjuster's handling
Contract language / legal issueInformation furnishedCompany position upheld
Jul 24, 2023Oct 4, 2023
72 days		Not confirmed
Refund of premium
Policy Not In ForceInformation furnishedPremium Refunded
Jul 24, 2023Oct 4, 2023
72 days		Not confirmed
Refund of premium
Premium RefundedInformation furnishedContract language / legal issue
Jul 14, 2023Sep 25, 2023
73 days		Not confirmed
Refund of premium
Contract language / legal issueInformation furnished
Jul 3, 2023Jul 14, 2023
11 days		Not confirmed
Delay — policyholder serviceRefund of premium
Information furnished
Jun 20, 2023Aug 30, 2023
71 days		Not confirmed
Refund of premium
Information furnishedContract language / legal issue
Jun 6, 2023Aug 22, 2023
77 days		Not confirmed
Delay — claims handlingAdjuster's handling
Information furnishedClaim settled
Jun 2, 2023Aug 17, 2023
76 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageAdjuster's handling
Contract language / legal issueCompany position upheld
May 30, 2023Jun 28, 2023
29 days		Not confirmed
Claim denialRoofHailDeductible
Question of factCompany position upheldInformation furnished
May 22, 2023Sep 28, 2023
129 days		Not confirmed
Delay — policyholder service
Company position upheld
May 15, 2023Jul 27, 2023
73 days		Not confirmed
Delay — claims handling
Claim settledContract language / legal issueAdditional monies received
May 11, 2023Jul 28, 2023
78 days		Not confirmed
Refund of premium
Information furnishedContract language / legal issue
May 1, 2023Jul 27, 2023
87 days		Not confirmed
Claim denialRoofHail
Question of factInformation furnished
Apr 24, 2023Jul 3, 2023
70 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerHailWater damageDeductibleMoldAdjuster's handling
Contract language / legal issueAdditional Payment ExpectedQuestion of fact
Apr 18, 2023Jun 6, 2023
49 days		Confirmed
Delay — policyholder service
Premium RefundedCorrective action takenInformation furnished
Apr 4, 2023Jun 9, 2023
66 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerRoofWater damageAdjuster's handling
Contract language / legal issueQuestion of fact
Apr 4, 2023Jun 26, 2023
83 days		Not confirmed
Delays (Underwriting)Refund of premium
Information furnishedContract language / legal issue
Mar 22, 2023May 19, 2023
58 days		Not confirmed
Cancellation
Company position upheldContract language / legal issuePolicy Not In Force
Feb 21, 2023Mar 17, 2023
24 days		Not confirmed
Delay — claims handling
Complaint Withdrawn
Feb 16, 2023Apr 28, 2023
71 days		Not confirmed
Claim denialRoofWater damageMoldAdjuster's handling
Information furnishedContract language / legal issue
Feb 13, 2023Apr 17, 2023
63 days		Not confirmed
Claim denialRoofHailDeductible
Information furnishedCompany position upheldQuestion of fact
Jan 30, 2023Apr 12, 2023
72 days		Not confirmed
Delay — claims handlingRoofAdjuster's handling
Information furnishedCompany position upheldContract language / legal issue
Jan 17, 2023Apr 3, 2023
76 days		Not confirmed
Refund of premium
Premium RefundedInformation furnished
Jan 9, 2023Feb 10, 2023
32 days		Not confirmed
Delay — policyholder serviceRefund of premium
Contract language / legal issueCompany position upheldQuestion of fact
Jan 4, 2023Mar 22, 2023
77 days		Not confirmed
Refund of premium
Premium RefundedContract language / legal issueAdditional monies received

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.

Compare

Carriers with a similar volume of Texas homeowner complaints
Allstate Fire and Casualty Insurance Company
25 confirmed of 142
Praetorian Insurance Company
41 confirmed of 136
Spinnaker Insurance Company
42 confirmed of 111
Texas Farm Bureau Mutual Insurance Company
26 confirmed of 101

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 Occidental Fire & Casualty Company of North Carolina 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 Occidental Fire & Casualty Company of North Carolina.