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Texas Carrier Complaint Index/Ranchers and Farmers Mutual Insurance Company

Texas Department of Insurance record

Ranchers and Farmers Mutual Insurance Company

Texans filed 158 homeowner complaints against Ranchers and Farmers Mutual Insurance Company between January 1, 2023 and July 15, 2026. The state reviewed them and agreed with the homeowner 64 times. Across all 158, 41 ended with the carrier paying the homeowner more money — 29 of them complaints the state had confirmed.

64
complaints confirmed by TDI
40.5%
of complaints confirmed · 18.6 points above the statewide average.
2.07×
complaints per policy vs. average (2025)
41
of all 158 complaints ended with additional money paid

TDI weighs complaints against business written: 117,632 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 158 complaints
Adjuster's handling101 · 45 confirmed
Roof66 · 27 confirmed
Water damage66 · 28 confirmed
Wind46 · 24 confirmed
Hail44 · 18 confirmed
Depreciation28 · 15 confirmed
Plumbing24 · 11 confirmed
Deductible24 · 9 confirmed
Tags overlap and TDI records them on about 78% of complaints, so these are floors.
How the 64 confirmed complaints closed
Corrective action taken47 · 73%
Additional monies received29 · 45%
Contract language / legal issue29 · 45%
Information furnished18 · 28%
Additional Payment Expected17 · 27%
Claim settled15 · 23%
Question of fact13 · 20%
Company position upheld10 · 16%
One complaint can close with several dispositions, so shares overlap. Median time from filing to close: 74 days, against 71 statewide.

By year

Complaints received · 2026 is partial
202324 filed · 6 confirmed
202455 filed · 26 confirmed
202560 filed · 23 confirmed
202619 filed · 9 confirmed

The records

120 most recent of 158 · confirmed rows shaded
ReceivedClosedTDI verdictWhat the complaint was aboutHow it closed
Jul 7, 2026Jul 24, 2026
17 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingMoldAdjuster's handling
Information furnishedAdditional monies receivedCorrective action taken
Jun 17, 2026Jul 16, 2026
29 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerDepreciationAdjuster's handling
Corrective action takenContract language / legal issueAdditional monies received
Jun 4, 2026Jun 26, 2026
22 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWindAppraisal
Contract language / legal issueInformation furnishedQuestion of fact
May 28, 2026Jun 18, 2026
21 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofAppraisal
Appraisal Process InvokedContract language / legal issueCorrective action taken
May 28, 2026Jun 29, 2026
32 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageMoldAdjuster's handling
Claim settledContract language / legal issue
May 20, 2026Jun 10, 2026
21 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageAdjuster's handling
Information furnishedQuestion of fact
May 19, 2026Jun 16, 2026
28 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofWater damageWindAdjuster's handling
Question of factContract language / legal issueInformation furnished
Apr 15, 2026May 8, 2026
23 days		Confirmed
Claim service & handlingDelay — claims handlingLoss of use
Corrective action takenContract language / legal issueAdditional monies received
Apr 6, 2026Apr 29, 2026
23 days		Not confirmed
Claim denialUnfair Discrim-Clms HandlingUnsatisfactory settlement or offerRoofWater damageWindMoldAdjuster's handling
Question of factInformation furnishedContract language / legal issue
Apr 3, 2026Apr 28, 2026
25 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageLoss of useMold
Corrective action takenClaim settled
Apr 2, 2026Apr 17, 2026
15 days		Not confirmed
Claim denialWater damagePlumbingMold
Additional monies receivedInformation furnishedContract language / legal issue
Mar 25, 2026Apr 29, 2026
35 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damagePlumbingMold
Contract language / legal issueCorrective action taken
Mar 19, 2026Apr 17, 2026
29 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageWindMoldAdjuster's handling
Contract language / legal issueQuestion of factInformation furnished
Mar 6, 2026Mar 26, 2026
20 days		Not confirmed
Claim denialRefund of premiumRoofHailAdjuster's handling
Information furnishedContract language / legal issueCompany position upheld
Mar 2, 2026Mar 30, 2026
28 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailAdjuster's handling
Claim settledContract language / legal issue
Feb 20, 2026Mar 20, 2026
28 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWindAppraisalAdjuster's handling
Company position upheldContract language / legal issueQuestion of fact
Feb 20, 2026Mar 24, 2026
32 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageWindDamage disputeAppraisalAdjuster's handling
Question of factCompany position upheldContract language / legal issue
Feb 5, 2026Mar 2, 2026
25 days		Confirmed
Unsatisfactory settlement or offerRoofHailWindDepreciation
Additional Payment ExpectedCorrective action takenAdditional monies received
Jan 22, 2026Mar 19, 2026
56 days		Confirmed
Claim service & handlingDelay — claims handlingEndorsement / RiderUnsatisfactory settlement or offerRoofHailAppraisalAdjuster's handling
Additional monies receivedContract language / legal issueCompany position upheld
Dec 29, 2025Mar 4, 2026
65 days		Not confirmed
Cancellation
Company position upheldQuestion of factPremium Refunded
Dec 22, 2025Feb 20, 2026
60 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialPolicy ExclusionWater damageWindDamage disputeMoldFoundation
Company position upheldContract language / legal issueInformation furnished
Dec 12, 2025Jan 12, 2026
31 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialWater damagePlumbingFoundation
Company position upheldContract language / legal issue
Dec 9, 2025Feb 12, 2026
65 days		Confirmed
Claim service & handlingDelay — claims handlingDamage disputeAdjuster's handling
Additional monies receivedContract language / legal issueCorrective action taken
Nov 21, 2025Jan 8, 2026
48 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerHailAdjuster's handling
Company position upheldClaim settledContract language / legal issue
Nov 20, 2025Dec 18, 2025
28 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWindMoldAdjuster's handling
Contract language / legal issueCompany position upheldQuestion of fact
Nov 19, 2025Jan 22, 2026
64 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDeductible
Contract language / legal issueInformation furnished
Nov 13, 2025Jan 20, 2026
68 days		Not confirmed
CancellationPolicyholder service
Question of factContract language / legal issueCompany position upheld
Nov 5, 2025Dec 22, 2025
47 days		Not confirmed
Policyholder service
Information furnishedCompany position upheldContract language / legal issue
Oct 23, 2025Nov 17, 2025
25 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWindDepreciationAdjuster's handling
Additional Payment ExpectedAdditional monies receivedCorrective action taken
Oct 8, 2025Feb 6, 2026
121 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damageLoss of useAdjuster's handling
Information furnishedAdditional monies receivedQuestion of fact
Oct 3, 2025Jan 30, 2026
119 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailDepreciationAdjuster's handling
Information furnishedAdditional monies receivedClaim settled
Sep 26, 2025Feb 2, 2026
129 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageDepreciationAdjuster's handling
Corrective action takenClaim settledQuestion of fact
Sep 25, 2025Jan 23, 2026
120 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerHailWater damageDepreciationAdjuster's handling
Corrective action takenClaim settled
Sep 23, 2025Jan 27, 2026
126 days		Not confirmed
Claim service & handlingDelay — claims handling
Contract language / legal issueAdditional Payment ExpectedQuestion of fact
Sep 12, 2025Jan 7, 2026
117 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofWindDeductibleAdjuster's handling
Additional monies receivedQuestion of factContract language / legal issue
Sep 12, 2025Nov 6, 2025
55 days		Confirmed
Claim service & handlingDelay — claims handlingRoofWindDepreciation
Claim settledContract language / legal issue
Aug 29, 2025Oct 22, 2025
54 days		Confirmed
Claim service & handlingDelay — claims handlingPolicy ExclusionUnsatisfactory settlement or offerRoofHailWater damageWindAdjuster's handling
Corrective action takenAdditional Payment ExpectedAdditional monies received
Aug 19, 2025Dec 10, 2025
113 days		Confirmed
Claim service & handlingDelay — claims handlingRoofHail
Corrective action takenAdditional Payment Expected
Aug 14, 2025Oct 15, 2025
62 days		Confirmed
CancellationPolicyholder serviceDelay — policyholder service
Corrective action takenContract language / legal issue
Aug 12, 2025Oct 2, 2025
51 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialPolicy ExclusionWater damagePlumbingAdjuster's handling
Question of factContract language / legal issueCompany position upheld
Jul 28, 2025Oct 29, 2025
93 days		Confirmed
Claim service & handlingDelay — claims handlingWater damageWindLoss of useMoldAdjuster's handling
Contract language / legal issueInformation furnishedQuestion of fact
Jul 23, 2025Dec 2, 2025
132 days		Not confirmed
Claim service & handlingDelay — claims handlingPremium & ratingRefund of premiumUse Of Clue ReportsUse of Credit ReportsWater damagePlumbingDeductible
Question of factContract language / legal issueCompany position upheld
Jul 22, 2025Dec 1, 2025
132 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerWater damageDeductibleAppraisalDepreciationAdjuster's handling
Question of factContract language / legal issueAdditional Payment Expected
Jul 21, 2025Oct 16, 2025
87 days		Not confirmed
MisrepresentationRefund of premium
Information furnishedContract language / legal issue
Jul 17, 2025Nov 18, 2025
124 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialUnsatisfactory settlement or offerRoofHailWater damageWindDamage disputeAdjuster's handling
Question of factContract language / legal issueCompany position upheld
Jul 1, 2025Aug 26, 2025
56 days		Not confirmed
Delay — claims handlingWater damagePlumbing
Contract language / legal issueCompany position upheld
Jun 30, 2025Oct 20, 2025
112 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWindLoss of useMoldFoundationAdjuster's handling
Corrective action takenAdditional monies receivedInformation furnished
Jun 27, 2025Sep 11, 2025
76 days		Not confirmed
Claim service & handlingDelay — claims handling
Contract language / legal issueClaim settledCompany position upheld
Jun 25, 2025Oct 31, 2025
128 days		Not confirmed
Unsatisfactory settlement or offerHailDepreciationAdjuster's handling
Contract language / legal issueQuestion of fact
Jun 23, 2025Sep 5, 2025
74 days		Not confirmed
Non-RenewalUnsatisfactory settlement or offerRoofHailWindDeductibleDepreciationAdjuster's handling
Information furnishedContract language / legal issueCompany position upheld
Jun 23, 2025Aug 28, 2025
66 days		Confirmed
Claim service & handlingDelay — claims handlingDepreciation
Corrective action takenClaim settledContract language / legal issue
Jun 20, 2025Aug 21, 2025
62 days		Confirmed
Claim service & handlingDelay — claims handlingWindFoundationAdjuster's handling
Corrective action takenContract language / legal issueClaim settled
Jun 20, 2025Sep 19, 2025
91 days		Not confirmed
Claim service & handlingClaim denialWater damageLoss of useMold
Company position upheldInformation furnishedContract language / legal issue
Jun 16, 2025Oct 3, 2025
109 days		Not confirmed
Delay — claims handling
Information furnished
Jun 12, 2025Oct 13, 2025
123 days		Not confirmed
Unsatisfactory settlement or offerRoofWater damageWindDamage disputePlumbing
Contract language / legal issueCompany position upheldQuestion of fact
Jun 10, 2025Oct 9, 2025
121 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageWindDamage disputeDeductibleAdjuster's handling
Additional monies receivedContract language / legal issueCorrective action taken
Jun 6, 2025Jul 2, 2025
26 days		Not confirmed
Unsatisfactory settlement or offerRoofWindDepreciation
Information furnishedQuestion of factAdditional monies received
May 22, 2025Aug 11, 2025
81 days		Not confirmed
Delay — claims handlingAppraisalAdjuster's handling
Additional Payment ExpectedCorrective action taken
May 13, 2025Sep 5, 2025
115 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWindAppraisal
Additional monies receivedContract language / legal issueInformation furnished
May 8, 2025Aug 21, 2025
105 days		Not confirmed
Unsatisfactory settlement or offerWater damageWindDamage disputeFoundation
Company position upheldContract language / legal issueInformation furnished
May 5, 2025Aug 28, 2025
115 days		Not confirmed
Policyholder serviceRefund of premium
Contract language / legal issueInformation furnished
May 5, 2025Jun 18, 2025
44 days		Not confirmed
Policyholder serviceEndorsement / RiderPremium & ratingRoofWind
Company position upheldContract language / legal issue
Apr 28, 2025Aug 18, 2025
112 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerLoss of useAdjuster's handling
Question of factContract language / legal issue
Apr 24, 2025Sep 2, 2025
131 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerDamage disputeLoss of useAdjuster's handling
Additional Payment ExpectedQuestion of factAdditional monies received
Apr 21, 2025Aug 11, 2025
112 days		Confirmed
Claim service & handlingDelay — claims handlingRoofHailAdjuster's handling
Additional Payment ExpectedCorrective action takenAdditional monies received
Apr 16, 2025Jul 21, 2025
96 days		Not confirmed
Non-RenewalNotice Requirements
Information furnishedContract language / legal issue
Apr 14, 2025Jul 23, 2025
100 days		Confirmed
Delay — claims handlingRoofWindAdjuster's handling
Corrective action takenClaim settledAdditional Payment Expected
Apr 4, 2025Jul 30, 2025
117 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputePlumbingLoss of useAdjuster's handling
Question of factAdditional monies receivedCorrective action taken
Apr 3, 2025May 22, 2025
49 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailAdjuster's handling
Information furnishedClaim settledQuestion of fact
Apr 2, 2025Aug 29, 2025
149 days		Not confirmed
Claim denialPremium & ratingAdjuster's handling
Information furnishedContract language / legal issueCompany position upheld
Mar 31, 2025Jun 6, 2025
67 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofAdjuster's handling
Claim settledCompany position upheld
Mar 3, 2025Jul 15, 2025
134 days		Confirmed
Unsatisfactory settlement or offerRoofHailWater damageDeductibleAppraisalAdjuster's handling
Company position upheldInformation furnishedContract language / legal issue
Feb 24, 2025Jul 8, 2025
134 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailDamage disputeAppraisalAdjuster's handling
Additional Payment ExpectedQuestion of factContract language / legal issue
Feb 24, 2025Jul 10, 2025
136 days		Confirmed
Premium & ratingUse of Credit Reports
Corrective action takenCompany position upheldQuestion of fact
Feb 18, 2025Jun 30, 2025
132 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputeAppraisalLoss of useAdjuster's handling
Corrective action takenAdditional monies receivedContract language / legal issue
Feb 3, 2025Feb 26, 2025
23 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Contract language / legal issueInformation furnished
Jan 16, 2025Mar 17, 2025
60 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWindAdjuster's handling
Additional Payment ExpectedCorrective action takenInformation furnished
Jan 3, 2025May 29, 2025
146 days		Confirmed
Delay — claims handlingUnsatisfactory settlement or offerWindDeductibleDepreciationAdjuster's handling
Corrective action takenCompany position upheldContract language / legal issue
Jan 2, 2025Jun 5, 2025
154 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageWindDamage disputeDepreciationAdjuster's handling
Additional Payment ExpectedQuestion of factInformation furnished
Dec 11, 2024Jun 6, 2025
177 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageWindDepreciationAdjuster's handling
Question of factAdditional Payment ExpectedContract language / legal issue
Dec 11, 2024Jun 4, 2025
175 days		Not confirmed
Unsatisfactory settlement or offerRoofHailAdjuster's handling
Claim settledQuestion of factCompany position upheld
Dec 5, 2024May 30, 2025
176 days		Confirmed
Claim service & handlingDelay — claims handlingDeductibleAdjuster's handling
Information furnishedCorrective action takenContract language / legal issue
Nov 27, 2024Dec 18, 2024
21 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialWater damagePlumbingAdjuster's handling
Contract language / legal issueCompany position upheld
Nov 26, 2024Apr 29, 2025
154 days		Not confirmed
Delay — policyholder serviceRefund of premium
Question of factInformation furnished
Nov 20, 2024Apr 28, 2025
159 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damageFoundation
Company position upheldInformation furnishedContract language / legal issue
Nov 13, 2024Apr 2, 2025
140 days		Not confirmed
Claim denialHailAdjuster's handling
Contract language / legal issueQuestion of fact
Nov 12, 2024Apr 18, 2025
157 days		Confirmed
Claim service & handlingClaim denialWater damagePlumbingLoss of useMoldAdjuster's handling
Additional Payment ExpectedAdditional monies receivedCorrective action taken
Nov 7, 2024Apr 16, 2025
160 days		Confirmed
CancellationPolicyholder serviceDelays (Underwriting)Roof
Policy Issued/RestoredCorrective action taken
Nov 7, 2024Mar 13, 2025
126 days		Confirmed
Claim service & handlingDelay — claims handlingWater damagePlumbing
Information furnishedCorrective action takenQuestion of fact
Nov 1, 2024Apr 14, 2025
164 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWindDeductibleDepreciationAdjuster's handling
Contract language / legal issueAdditional monies receivedCompany position upheld
Oct 22, 2024Mar 7, 2025
136 days		Not confirmed
Cancellation
Information furnishedContract language / legal issue
Oct 21, 2024Nov 27, 2024
37 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageLoss of useMoldAdjuster's handling
Additional monies receivedInformation furnished
Oct 18, 2024Feb 18, 2025
123 days		Confirmed
Claim service & handlingDelay — claims handlingRoofWater damageWindDeductibleDepreciationAdjuster's handling
Corrective action takenContract language / legal issueAdditional Payment Expected
Oct 18, 2024Dec 16, 2024
59 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWindAdjuster's handling
Contract language / legal issueQuestion of factCorrective action taken
Oct 15, 2024Nov 6, 2024
22 days		Not confirmed
Claim service & handlingClaim denialRoofHailAdjuster's handling
Information furnishedCorrective action taken
Oct 2, 2024Feb 3, 2025
124 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailDamage disputeDeductibleDepreciationAdjuster's handling
Contract language / legal issueAdditional Payment ExpectedCompany position upheld
Sep 27, 2024Feb 25, 2025
151 days		Confirmed
Claim service & handlingDelay — claims handlingWater damagePlumbingAdjuster's handling
Contract language / legal issueCorrective action takenQuestion of fact
Sep 24, 2024Nov 6, 2024
43 days		Not confirmed
Unsatisfactory settlement or offerRoofWindDamage disputeLoss of use
Contract language / legal issueClaim settledQuestion of fact
Sep 23, 2024Jan 23, 2025
122 days		Not confirmed
Unsatisfactory settlement or offer
Question of factCompany position upheldContract language / legal issue
Sep 19, 2024Feb 12, 2025
146 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageWindDeductibleDepreciationAdjuster's handling
Claim settledQuestion of factContract language / legal issue
Sep 13, 2024Mar 10, 2025
178 days		Confirmed
Claim service & handlingDelay — claims handlingWindDepreciationAdjuster's handling
Information furnishedAdditional monies receivedCorrective action taken
Sep 11, 2024Jan 21, 2025
132 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWater damageWindDamage disputeDepreciationAdjuster's handling
Company position upheldContract language / legal issueInformation furnished
Sep 10, 2024Feb 3, 2025
146 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerHail
Claim settledInformation furnishedQuestion of fact
Sep 9, 2024Dec 20, 2024
102 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageAdjuster's handling
Corrective action takenAdditional monies receivedContract language / legal issue
Aug 28, 2024Feb 7, 2025
163 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damagePlumbingDeductibleMoldAdjuster's handling
Claim settledCompany position upheldContract language / legal issue
Aug 27, 2024Sep 17, 2024
21 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerLoss of useAdjuster's handling
Information furnishedQuestion of factAdditional monies received
Aug 26, 2024Jan 10, 2025
137 days		Not confirmed
Premium & rating
Information furnishedContract language / legal issue
Aug 20, 2024Dec 31, 2024
133 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerRoofHailWindDamage disputeDeductible
Information furnishedAdditional Payment ExpectedQuestion of fact
Aug 20, 2024Nov 27, 2024
99 days		Confirmed
Claim service & handlingDelay — claims handlingWater damage
Information furnishedCorrective action takenCompany position upheld
Aug 19, 2024Dec 18, 2024
121 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailWindDeductibleDepreciationAdjuster's handling
Information furnishedClaim settledQuestion of fact
Aug 19, 2024Dec 30, 2024
133 days		Confirmed
Claim service & handlingDelay — claims handlingRoofWater damageWindDeductibleAdjuster's handling
Claim settledQuestion of factCorrective action taken
Aug 14, 2024Oct 11, 2024
58 days		Confirmed
Claim service & handlingDelay — claims handlingRoofHailWindAdjuster's handling
Additional Payment ExpectedCorrective action takenClaim settled
Aug 8, 2024Mar 11, 2025
215 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWindDamage disputeDeductibleDepreciationAdjuster's handling
Contract language / legal issueAdditional Payment ExpectedAdditional monies received
Aug 7, 2024Oct 30, 2024
84 days		Confirmed
Claim service & handlingDelay — claims handlingRoofHailWindLoss of useAdjuster's handling
Corrective action takenClaim settledAdditional monies received
Aug 7, 2024Oct 14, 2024
68 days		Confirmed
Claim service & handlingDelay — claims handlingRoofWindLoss of useAdjuster's handling
Claim settledInformation furnishedCorrective action taken
Aug 5, 2024Aug 27, 2024
22 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailAdjuster's handling
Information furnishedClaim settled
Jul 26, 2024Sep 27, 2024
63 days		Not confirmed
Claim service & handlingPolicyholder servicePremium & ratingHailWater damage
Information furnishedQuestion of factContract language / legal issue
Jul 26, 2024Feb 19, 2025
208 days		Confirmed
Delay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputeDeductibleDepreciationLoss of use
Corrective action takenAdditional monies receivedClaim settled
Jul 17, 2024Nov 13, 2024
119 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofDamage disputeAdjuster's handling
Question of factContract language / legal issue
Jul 8, 2024Oct 22, 2024
106 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialWater damageDamage disputeAdjuster's handling
Claim settledContract language / legal issueQuestion 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 158 records; the counts everywhere else on this page cover all 158. The full set is downloadable from the Texas Open Data Portal.

Compare

Carriers with a similar volume of Texas homeowner complaints
Goosehead Insurance Agency, LLC
58 confirmed of 175
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52 confirmed of 174
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57 confirmed of 170
Liberty Insurance Corporation
15 confirmed of 145
Allstate Fire and Casualty Insurance Company
25 confirmed of 142
Praetorian Insurance Company
41 confirmed of 136

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 Ranchers and Farmers Mutual 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 Ranchers and Farmers Mutual Insurance Company.