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Texas Carrier Complaint Index/Spinnaker Insurance Company

Texas Department of Insurance record

Spinnaker Insurance Company

Texans filed 111 homeowner complaints against Spinnaker Insurance Company between January 1, 2023 and July 15, 2026. The state reviewed them and agreed with the homeowner 42 times. Across all 111, 24 ended with the carrier paying the homeowner more money — 16 of them complaints the state had confirmed.

42
complaints confirmed by TDI
37.8%
of complaints confirmed · 15.9 points above the statewide average.
0.51×
complaints per policy vs. average (2025)
24
of all 111 complaints ended with additional money paid

TDI weighs complaints against business written: 107,409 homeowners policies in force in 2025. This carrier draws fewer complaints than its size predicts. The index covers that year alone; the complaint counts on this page cover the whole window since 2023.

What these complaints were about

TDI issue tags and confirmed reasons
Issue tags across all 111 complaints
Adjuster's handling62 · 25 confirmed
Water damage41 · 19 confirmed
Roof34 · 15 confirmed
Hail32 · 11 confirmed
Plumbing21 · 9 confirmed
Deductible15 · 3 confirmed
Loss of use14 · 8 confirmed
Wind12 · 3 confirmed
Tags overlap and TDI records them on about 78% of complaints, so these are floors.
How the 42 confirmed complaints closed
Corrective action taken29 · 69%
Information furnished22 · 52%
Additional monies received16 · 38%
Additional Payment Expected15 · 36%
Contract language / legal issue15 · 36%
Question of fact8 · 19%
Claim settled8 · 19%
Premium Refunded5 · 12%
One complaint can close with several dispositions, so shares overlap. Median time from filing to close: 66 days, against 71 statewide.

By year

Complaints received · 2026 is partial
202358 filed · 23 confirmed
202439 filed · 14 confirmed
20256 filed · 2 confirmed
20268 filed · 3 confirmed

The records

All 111 records · confirmed rows shaded
ReceivedClosedTDI verdictWhat the complaint was aboutHow it closed
Jul 13, 2026Jul 23, 2026
10 days		Confirmed
Claim service & handlingDelay — claims handlingRoofAdjuster's handling
Corrective action takenAdditional Payment ExpectedInformation furnished
May 19, 2026Jun 15, 2026
27 days		Confirmed
Claim service & handlingPolicyholder serviceDelay — claims handlingPremium & ratingRefund of premiumUnsatisfactory settlement or offerRoofWindAdjuster's handling
Corrective action takenPremium RefundedContract language / legal issue
Apr 23, 2026May 8, 2026
15 days		Not confirmed
Delay — claims handlingWater damageAdjuster's handling
Question of factInformation furnished
Apr 22, 2026May 26, 2026
34 days		Not confirmed
Claim service & handlingDelay — claims handlingUnfair Discrim-Clms HandlingUnsatisfactory settlement or offerWater damagePlumbingLoss of useAdjuster's handling
Contract language / legal issueQuestion of factCompany position upheld
Apr 14, 2026Apr 30, 2026
16 days		Confirmed
Claim service & handlingDelay — claims handlingWater damageAdjuster's handling
Information furnishedContract language / legal issueCorrective action taken
Apr 13, 2026Apr 29, 2026
16 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerAdjuster's handling
Question of factClaim settledInformation furnished
Mar 24, 2026Apr 10, 2026
17 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingAdjuster's handling
Claim settledContract language / legal issueInformation furnished
Jan 6, 2026Feb 24, 2026
49 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Contract language / legal issueInformation furnishedClaim settled
Nov 17, 2025Feb 13, 2026
88 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputeDepreciationAdjuster's handling
Contract language / legal issueAdditional monies receivedQuestion of fact
Jul 17, 2025Sep 9, 2025
54 days		Not confirmed
Policyholder serviceHailDeductible
Information furnishedCompany position upheldContract language / legal issue
Jul 7, 2025Aug 29, 2025
53 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageWindDamage disputeAdjuster's handling
Additional Payment ExpectedAdditional monies receivedQuestion of fact
Jun 10, 2025Oct 1, 2025
113 days		Confirmed
Claim denialRoofLoss of useAdjuster's handling
Information furnishedClaim settledCorrective action taken
May 14, 2025Aug 5, 2025
83 days		Not confirmed
Unsatisfactory settlement or offerRoofDeductibleAdjuster's handling
Company position upheldInformation furnishedContract language / legal issue
Apr 9, 2025Apr 15, 2025
6 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Complaint Withdrawn
Nov 12, 2024Feb 11, 2025
91 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerWater damageWindDeductibleAdjuster's handling
Company position upheldInformation furnishedContract language / legal issue
Nov 5, 2024Apr 3, 2025
149 days		Confirmed
Unsatisfactory settlement or offerWater damagePlumbingLoss of useFoundationAdjuster's handling
Contract language / legal issueCorrective action takenAdditional monies received
Oct 28, 2024Apr 11, 2025
165 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerHailDamage disputeAdjuster's handling
Company position upheldQuestion of factContract language / legal issue
Oct 24, 2024Apr 4, 2025
162 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputeDepreciationLoss of useAdjuster's handling
Information furnishedCorrective action takenAdditional monies received
Sep 24, 2024Mar 31, 2025
188 days		Confirmed
Claim service & handlingDelay — claims handlingClaim denialRoofWater damageAdjuster's handling
Information furnishedCorrective action takenClaim settled
Sep 17, 2024Mar 11, 2025
175 days		Confirmed
Claim service & handlingDelay — claims handlingWater damagePlumbingDeductibleDepreciationLoss of useAdjuster's handling
Claim settledCorrective action takenInformation furnished
Sep 9, 2024Mar 24, 2025
196 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damageWindAdjuster's handling
Question of factInformation furnishedContract language / legal issue
Aug 20, 2024Jan 8, 2025
141 days		Confirmed
Claim service & handlingDelay — claims handlingClaim denialWater damageWindDamage disputeDepreciationLoss of useMoldFoundation
Additional Payment ExpectedCorrective action takenContract language / legal issue
Aug 2, 2024Dec 6, 2024
126 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailDamage disputeDeductibleAdjuster's handling
Contract language / legal issueQuestion of fact
Aug 1, 2024Aug 20, 2024
19 days		Not confirmed
Policyholder serviceRefund of premium
Claim settledPremium RefundedCompany position upheld
Jul 31, 2024Mar 3, 2025
215 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWindDamage disputeDeductible
Company position upheldQuestion of factContract language / legal issue
Jul 30, 2024Oct 4, 2024
66 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofWater damageAdjuster's handling
Question of factContract language / legal issue
Jul 29, 2024Dec 3, 2024
127 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWindAppraisalAdjuster's handling
Question of factInformation furnishedAdditional Payment Expected
Jul 15, 2024Jul 23, 2024
8 days		Not confirmed
Policyholder serviceUnsatisfactory settlement or offerWater damageDeductible
Question of factContract language / legal issueCompany position upheld
Jul 15, 2024Nov 7, 2024
115 days		Not confirmed
Claim service & handlingClaim denialWindLoss of useAdjuster's handling
Company position upheldContract language / legal issueInformation furnished
Jul 12, 2024Sep 13, 2024
63 days		Not confirmed
Claim service & handlingClaim denialWindAdjuster's handling
Question of factClaim settledInformation furnished
Jul 5, 2024Oct 10, 2024
97 days		Not confirmed
Claim denialHailWindAdjuster's handling
Contract language / legal issueQuestion of factCompany position upheld
Jun 28, 2024Oct 2, 2024
96 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Information furnishedQuestion of factCompany position upheld
Jun 21, 2024Aug 29, 2024
69 days		Confirmed
Delay — policyholder serviceRefund of premium
Corrective action takenPremium Refunded
May 31, 2024Jul 12, 2024
42 days		Not confirmed
Delay — claims handlingAdjuster's handling
Information furnishedAdditional Payment Expected
May 28, 2024Aug 19, 2024
83 days		Confirmed
Delay — claims handlingUnsatisfactory settlement or offerRoofHailDamage disputeAppraisalAdjuster's handling
Question of factInformation furnishedClaim settled
May 23, 2024Sep 3, 2024
103 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageAdjuster's handling
Additional monies receivedAdditional Payment ExpectedContract language / legal issue
May 15, 2024Aug 12, 2024
89 days		Not confirmed
Claim denialHailWindDamage disputeAdjuster's handling
Additional Payment ExpectedQuestion of factContract language / legal issue
Apr 26, 2024Jul 2, 2024
67 days		Not confirmed
Delay — policyholder serviceEndorsement / RiderPremium & ratingUnsatisfactory settlement or offerRoofHailWindDeductible
Question of factCompany position upheldContract language / legal issue
Mar 27, 2024Jun 27, 2024
92 days		Not confirmed
Claim service & handlingDelay — claims handling
Information furnishedCompany position upheldAdditional monies received
Mar 11, 2024Mar 28, 2024
17 days		Confirmed
Claim service & handlingDelay — claims handlingWater damagePlumbingAdjuster's handling
Information furnishedAdditional Payment ExpectedAdditional monies received
Mar 11, 2024Mar 27, 2024
16 days		Not confirmed
Delay — policyholder service
Policy Not In ForceQuestion of factContract language / legal issue
Mar 6, 2024Apr 15, 2024
40 days		Not confirmed
Claim service & handlingClaim denialRoofHailDeductibleAdjuster's handling
Company position upheldContract language / legal issueQuestion of fact
Feb 23, 2024Apr 5, 2024
42 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageAdjuster's handling
Contract language / legal issueCompany position upheld
Feb 23, 2024May 7, 2024
74 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingLoss of use
Additional monies receivedQuestion of factContract language / legal issue
Feb 8, 2024Apr 12, 2024
64 days		Not confirmed
Other
Question of factInformation furnished
Feb 5, 2024Feb 21, 2024
16 days		Confirmed
Non-RenewalRefund of premium
Corrective action takenPolicy Issued/RestoredContract language / legal issue
Feb 1, 2024Apr 10, 2024
69 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingAdjuster's handling
Corrective action takenAdditional Payment ExpectedAdditional monies received
Jan 26, 2024Mar 19, 2024
53 days		Not confirmed
Non-RenewalHail
Information furnishedCompany position upheld
Jan 22, 2024Mar 28, 2024
66 days		Not confirmed
Unsatisfactory settlement or offerRoofHailAdjuster's handling
Contract language / legal issueAdditional Payment ExpectedQuestion of fact
Jan 17, 2024Feb 2, 2024
16 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damageDamage disputePlumbingAdjuster's handling
Additional Payment ExpectedQuestion of factContract language / legal issue
Jan 11, 2024Mar 13, 2024
62 days		Confirmed
Claim service & handlingDelay — claims handlingRoofHailWater damagePlumbingDeductibleAdjuster's handling
Information furnishedQuestion of factContract language / legal issue
Jan 10, 2024Mar 7, 2024
57 days		Not confirmed
Premium & ratingRoofHailDeductible
Contract language / legal issueInformation furnished
Jan 3, 2024Feb 23, 2024
51 days		Confirmed
Delay — policyholder serviceRefund of premium
Information furnishedPremium Refunded
Dec 28, 2023Mar 1, 2024
64 days		Confirmed
Delay — policyholder serviceRefund of premium
Premium RefundedInformation furnishedCorrective action taken
Dec 28, 2023Feb 20, 2024
54 days		Confirmed
Claim service & handlingDelay — claims handlingRoofHailAdjuster's handling
Additional monies receivedInformation furnishedCorrective action taken
Dec 7, 2023Jan 4, 2024
28 days		Not confirmed
Non-RenewalUnsatisfactory settlement or offerRoofHail
Company position upheldInformation furnishedContract language / legal issue
Dec 1, 2023Jan 29, 2024
59 days		Not confirmed
Non-RenewalRoofHailWater damageDepreciation
Information furnishedCompany position upheld
Dec 1, 2023Dec 29, 2023
28 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerLoss of useMoldAdjuster's handling
Additional Payment ExpectedCorrective action takenAdditional monies received
Nov 20, 2023Dec 8, 2023
18 days		Not confirmed
Cancellation
Contract language / legal issue
Nov 10, 2023Jan 18, 2024
69 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputePlumbingAdjuster's handling
Question of factContract language / legal issueAdditional monies received
Nov 2, 2023Dec 6, 2023
34 days		Not confirmed
Unsatisfactory settlement or offerRoofHail
Question of factContract language / legal issueCompany position upheld
Oct 24, 2023Jan 2, 2024
70 days		Not confirmed
Delay — policyholder serviceDeductible
Company position upheldContract language / legal issue
Oct 23, 2023Nov 7, 2023
15 days		Not confirmed
Unsatisfactory settlement or offerRoofHailDeductible
Contract language / legal issueCompany position upheldInformation furnished
Oct 19, 2023Dec 19, 2023
61 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerRoofHailAppraisal
Additional Payment ExpectedContract language / legal issue
Oct 18, 2023Nov 27, 2023
40 days		Confirmed
Claim service & handlingDelay — claims handlingDamage dispute
Corrective action takenAdditional Payment ExpectedInformation furnished
Oct 9, 2023Oct 26, 2023
17 days		Confirmed
Delay — claims handlingNon-RenewalWater damage
Contract language / legal issueAdditional Payment ExpectedCorrective action taken
Oct 3, 2023Nov 28, 2023
56 days		Confirmed
Claim service & handlingDelay — claims handlingWater damagePlumbing
Additional monies receivedAdditional Payment ExpectedCorrective action taken
Oct 3, 2023Dec 7, 2023
65 days		Not confirmed
Claim denialRoofHail
Contract language / legal issueAdditional monies received
Sep 19, 2023Nov 17, 2023
59 days		Confirmed
Delay — claims handlingUnsatisfactory settlement or offerRoofHailAdjuster's handling
Additional Payment ExpectedAdditional monies receivedContract language / legal issue
Sep 8, 2023Nov 9, 2023
62 days		Confirmed
Unsatisfactory settlement or offerLoss of useAdjuster's handling
Contract language / legal issueAdditional monies receivedCorrective action taken
Sep 7, 2023Oct 30, 2023
53 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerLoss of useAdjuster's handling
Question of factContract language / legal issueAdditional monies received
Sep 5, 2023Nov 10, 2023
66 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageAdjuster's handling
Information furnishedContract language / legal issueAdditional Payment Expected
Sep 5, 2023Oct 31, 2023
56 days		Not confirmed
Non-Renewal
Company position upheldInformation furnishedPolicy Not In Force
Sep 1, 2023Sep 22, 2023
21 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailAdjuster's handling
Claim settledInformation furnished
Aug 31, 2023Nov 13, 2023
74 days		Confirmed
Delay — claims handling
Information furnishedCorrective action takenAdditional Payment Expected
Aug 31, 2023Sep 26, 2023
26 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damagePlumbingAdjuster's handling
Information furnishedClaim settled
Aug 30, 2023Oct 13, 2023
44 days		Confirmed
Delay — claims handlingUnsatisfactory settlement or offer
Information furnishedClaim settled
Aug 22, 2023Nov 2, 2023
72 days		Not confirmed
Unsatisfactory settlement or offerWater damagePlumbing
Information furnishedClaim settled
Aug 21, 2023Oct 27, 2023
67 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailAdjuster's handling
Additional Payment ExpectedQuestion of factInformation furnished
Aug 16, 2023Oct 25, 2023
70 days		Not confirmed
Delay — policyholder serviceUnsatisfactory settlement or offerRoofHailDeductible
Question of factContract language / legal issue
Aug 11, 2023Oct 23, 2023
73 days		Not confirmed
CancellationPremium & ratingRefund of premium
Contract language / legal issueQuestion of factAdditional Payment Expected
Aug 8, 2023Oct 17, 2023
70 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damageAdjuster's handling
Additional Payment ExpectedQuestion of factContract language / legal issue
Jul 19, 2023Oct 4, 2023
77 days		Confirmed
Delay — claims handlingUnsatisfactory settlement or offerRoofHailAdjuster's handling
Information furnishedCorrective action takenAdditional monies received
Jul 18, 2023Aug 9, 2023
22 days		Not confirmed
Claim denial
Additional Payment ExpectedQuestion of factContract language / legal issue
Jul 17, 2023Oct 3, 2023
78 days		Confirmed
Claim service & handlingDelay — claims handlingHail
Information furnishedClaim settled
Jul 13, 2023Jul 31, 2023
18 days		Confirmed
Non-Renewal
Policy Issued/RestoredCorrective action taken
Jun 26, 2023Jul 28, 2023
32 days		Confirmed
Claim service & handlingDelay — claims handlingEndorsement / RiderRoofHail
Corrective action takenClaim settledContract language / legal issue
Jun 21, 2023Aug 21, 2023
61 days		Not confirmed
Unsatisfactory settlement or offerWater damagePlumbingLoss of useAdjuster's handling
Contract language / legal issueInformation furnishedAdditional monies received
Jun 19, 2023Aug 1, 2023
43 days		Confirmed
Unsatisfactory settlement or offerRoof
Corrective action takenQuestion of factAdditional monies received
Jun 12, 2023Aug 23, 2023
72 days		Confirmed
Delay — claims handlingNotice RequirementsRoofHailDeductible
Contract language / legal issueInformation furnishedCorrective action taken
Jun 2, 2023Aug 15, 2023
74 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingAdjuster's handling
Question of factAdditional Payment ExpectedCorrective action taken
May 3, 2023Jul 19, 2023
77 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingLoss of useAdjuster's handling
Question of factAdditional monies receivedContract language / legal issue
Apr 25, 2023Jul 7, 2023
73 days		Confirmed
Claim service & handlingDelay — claims handlingRoofWater damageAdjuster's handling
Contract language / legal issueAdditional monies receivedInformation furnished
Apr 14, 2023Jun 22, 2023
69 days		Confirmed
CancellationRefund of premium
Premium RefundedCorrective action taken
Apr 10, 2023Jun 6, 2023
57 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Information furnishedQuestion of fact
Mar 22, 2023May 19, 2023
58 days		Not confirmed
Cancellation
Information furnishedContract language / legal issue
Mar 20, 2023May 18, 2023
59 days		Not confirmed
Refund of premium
Contract language / legal issuePremium RefundedInformation furnished
Mar 17, 2023May 24, 2023
68 days		Not confirmed
Delay — claims handlingWater damagePlumbing
Contract language / legal issueQuestion of fact
Mar 10, 2023May 18, 2023
69 days		Not confirmed
Delay — claims handlingWater damage
Claim settledInformation furnishedQuestion of fact
Mar 3, 2023May 13, 2023
71 days		Confirmed
Delay — claims handlingWater damagePlumbingAdjuster's handling
Claim settledInformation furnishedCorrective action taken
Mar 3, 2023May 12, 2023
70 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Information furnishedContract language / legal issueClaim settled
Feb 28, 2023May 9, 2023
70 days		Not confirmed
Delay — policyholder servicePremium & ratingRefund of premium
Contract language / legal issueCompany position upheldInformation furnished
Feb 24, 2023May 11, 2023
76 days		Not confirmed
Delay — claims handlingWater damagePlumbingMold
Information furnishedClaim settled
Feb 16, 2023Apr 27, 2023
70 days		Not confirmed
Delay — policyholder serviceRefund of premium
Question of factInformation furnishedPremium Refunded
Feb 14, 2023Apr 20, 2023
65 days		Not confirmed
Cancellation
Contract language / legal issue
Feb 10, 2023Apr 25, 2023
74 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingLoss of useMold
Claim settledInformation furnishedQuestion of fact
Feb 10, 2023Apr 24, 2023
73 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerHailAdjuster's handling
Additional monies receivedQuestion of factCorrective action taken
Feb 6, 2023Apr 18, 2023
71 days		Not confirmed
Delay — claims handlingAdjuster's handling
Information furnishedClaim settledAdditional monies received
Feb 1, 2023Apr 18, 2023
76 days		Confirmed
Claim service & handlingDelay — claims handlingWater damageAdjuster's handling
Information furnishedAdditional Payment ExpectedQuestion of fact
Jan 30, 2023Apr 12, 2023
72 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingMoldAdjuster's handling
Claim settledContract language / legal issueInformation furnished
Jan 17, 2023Mar 31, 2023
73 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Question of factInformation furnishedClaim settled

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

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15 confirmed of 145
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25 confirmed of 142
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41 confirmed of 136
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14 confirmed of 107
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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 Spinnaker 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 Spinnaker Insurance Company.