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Texas Carrier Complaint Index/Texas Farm Bureau Mutual Insurance Company

Texas Department of Insurance record

Texas Farm Bureau Mutual Insurance Company

Texans filed 103 homeowner complaints against Texas Farm Bureau Mutual Insurance Company between January 1, 2023 and July 21, 2026. The state reviewed them and agreed with the homeowner 27 times. Across all 103, 24 ended with the carrier paying the homeowner more money — 11 of them complaints the state had confirmed.

27
complaints confirmed by TDI
26.2%
of complaints confirmed · 4.2 points above the statewide average.
0.36×
complaints per policy vs. average (2025)
24
of all 103 complaints ended with additional money paid

TDI weighs complaints against business written: 152,633 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 103 complaints
Adjuster's handling55 · 17 confirmed
Roof39 · 13 confirmed
Hail26 · 7 confirmed
Water damage25 · 4 confirmed
Damage dispute14 · 5 confirmed
Deductible13 · 5 confirmed
Wind11 · 4 confirmed
Depreciation11 · 3 confirmed
Tags overlap and TDI records them on about 78% of complaints, so these are floors.
How the 27 confirmed complaints closed
Corrective action taken19 · 70%
Information furnished14 · 52%
Additional monies received11 · 41%
Contract language / legal issue7 · 26%
Additional Payment Expected6 · 22%
Question of fact4 · 15%
Claim settled3 · 11%
Company position upheld3 · 11%
One complaint can close with several dispositions, so shares overlap. Median time from filing to close: 69 days, against 70 statewide.

By year

Complaints received · 2026 is partial
202324 filed · 3 confirmed
202430 filed · 11 confirmed
202531 filed · 7 confirmed
202618 filed · 6 confirmed

The records

All 103 records · confirmed rows shaded
ReceivedClosedTDI verdictWhat the complaint was aboutHow it closed
Jul 15, 2026Jul 27, 2026
12 days		Not confirmed
Claim service & handlingClaim denialRoofWater damageWind
Company position upheldContract language / legal issue
Jul 6, 2026Jul 22, 2026
16 days		Confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Corrective action takenClaim settled
Jun 25, 2026Jul 27, 2026
32 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofDeductible
Contract language / legal issueFailure to Timely RespondCompany position upheld
Jun 15, 2026Jul 8, 2026
23 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWindLoss of useAdjuster's handling
Additional monies receivedCorrective action takenAdditional Payment Expected
Jun 10, 2026Jul 1, 2026
21 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damage
Information furnishedCompany position upheldQuestion of fact
Jun 9, 2026Jun 30, 2026
21 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailDepreciationAdjuster's handling
Information furnishedCompany position upheldContract language / legal issue
May 1, 2026May 19, 2026
18 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailDepreciationAdjuster's handling
Contract language / legal issueCompany position upheldQuestion of fact
Apr 15, 2026May 7, 2026
22 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damageAdjuster's handling
Contract language / legal issueQuestion of fact
Apr 1, 2026Apr 24, 2026
23 days		Confirmed
Claim service & handlingDelay — claims handlingRoofWater damageDeductibleDepreciationAdjuster's handling
Company position upheldContract language / legal issueQuestion of fact
Mar 23, 2026Apr 16, 2026
24 days		Not confirmed
Unsatisfactory settlement or offerWater damageDamage disputePlumbingAdjuster's handling
Information furnishedCompany position upheldContract language / legal issue
Mar 16, 2026Apr 14, 2026
29 days		Not confirmed
Policyholder serviceDelay — policyholder serviceClaim denialNon-RenewalHail
Contract language / legal issueCompany position upheldInformation furnished
Mar 5, 2026Mar 18, 2026
13 days		Confirmed
Use Of Clue ReportsAdjuster's handling
Information furnishedCorrective action takenQuestion of fact
Feb 27, 2026Mar 19, 2026
20 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputeLoss of useAdjuster's handling
Additional monies receivedQuestion of factContract language / legal issue
Feb 23, 2026Apr 7, 2026
43 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofAppraisalAdjuster's handling
Question of factContract language / legal issue
Jan 30, 2026Mar 18, 2026
47 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialWater damageDamage disputeLoss of useAdjuster's handling
Company position upheldAdditional monies receivedContract language / legal issue
Jan 26, 2026Mar 16, 2026
49 days		Not confirmed
Unsatisfactory settlement or offerRoofDepreciation
Company position upheldContract language / legal issueInformation furnished
Jan 23, 2026Feb 18, 2026
26 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerHailWindAppraisalAdjuster's handling
Question of factInformation furnishedCompany position upheld
Jan 15, 2026Jan 30, 2026
15 days		Confirmed
Claim service & handlingDelay — claims handlingWater damage
Additional Payment ExpectedCorrective action taken
Dec 18, 2025Feb 13, 2026
57 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damageDamage disputeAdjuster's handling
Appraisal Process InvokedClaim settled
Dec 12, 2025Feb 18, 2026
68 days		Confirmed
Policyholder servicePremium & ratingRefund of premium
Information furnishedRate Problem ResolvedPremium Refunded
Nov 26, 2025Jan 29, 2026
64 days		Not confirmed
Policyholder servicePremium & ratingRoof
Information furnishedContract language / legal issueCompany position upheld
Nov 18, 2025Jan 30, 2026
73 days		Not confirmed
Policyholder serviceNon-RenewalUnsatisfactory settlement or offerWater damagePlumbing
Question of factCompany position upheld
Oct 15, 2025Jan 14, 2026
91 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerAppraisalAdjuster's handling
Contract language / legal issueCompany position upheldClaim settled
Oct 6, 2025Jan 14, 2026
100 days		Not confirmed
Policyholder serviceDelay — policyholder serviceRefund of premium
Information furnishedPremium Refunded
Sep 23, 2025Jan 13, 2026
112 days		Not confirmed
Claim service & handlingDelay — claims handlingNon-RenewalUnsatisfactory settlement or offerWater damagePlumbingAdjuster's handling
Company position upheldContract language / legal issueQuestion of fact
Sep 23, 2025Jan 21, 2026
120 days		Not confirmed
Claim service & handlingAdjuster's handling
Question of fact
Sep 18, 2025Jan 29, 2026
133 days		Confirmed
Policyholder serviceDelay — policyholder serviceRefund of premiumRoof
Premium RefundedCorrective action takenInformation furnished
Sep 17, 2025Nov 25, 2025
69 days		Confirmed
Claim service & handlingDelay — claims handlingRoofHailAppraisalAdjuster's handling
Appraisal Process InvokedAdditional monies receivedContract language / legal issue
Aug 21, 2025Nov 19, 2025
90 days		Not confirmed
Policyholder serviceRefund of premium
Additional Payment ExpectedInformation furnishedQuestion of fact
Aug 13, 2025Oct 9, 2025
57 days		Not confirmed
Assignment of BenefitsClaim service & handlingAdjuster's handling
Information furnishedCompany position upheldContract language / legal issue
Aug 6, 2025Dec 10, 2025
126 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWindAppraisalDepreciationAdjuster's handling
Information furnishedQuestion of factAdditional Payment Expected
Jul 25, 2025Dec 8, 2025
136 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailAdjuster's handling
Information furnishedAdditional Payment Expected
Jul 24, 2025Oct 28, 2025
96 days		Not confirmed
Premium & rating
Information furnishedCompany position upheld
Jul 16, 2025Aug 8, 2025
23 days		Not confirmed
Refund of premium
Information furnishedContract language / legal issuePremium Refunded
Jun 16, 2025Sep 11, 2025
87 days		Confirmed
Delay — claims handlingRoofDepreciation
Corrective action takenAdditional monies received
May 14, 2025Jun 29, 2025
46 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofAdjuster's handling
Company position upheldInformation furnishedContract language / legal issue
May 9, 2025Aug 22, 2025
105 days		Not confirmed
Claim service & handlingPremium & ratingUse Of Clue ReportsRoofHail
Contract language / legal issueCompany position upheldQuestion of fact
Apr 10, 2025Jun 26, 2025
77 days		Not confirmed
Premium NoticeRoofDeductible
Contract language / legal issueInformation furnished
Apr 3, 2025Aug 7, 2025
126 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageWindDamage disputeAdjuster's handling
Additional monies receivedCorrective action takenInformation furnished
Mar 21, 2025Apr 28, 2025
38 days		Not confirmed
Policyholder serviceDelay — policyholder service
Company position upheldContract language / legal issueInformation furnished
Mar 11, 2025Jul 21, 2025
132 days		Not confirmed
Claim service & handlingWater damageDepreciationAdjuster's handling
Company position upheldInformation furnished
Feb 28, 2025May 2, 2025
63 days		Not confirmed
Unsatisfactory settlement or offerRoofWater damageWindDeductibleDepreciationAdjuster's handling
Claim settledInformation furnishedContract language / legal issue
Feb 21, 2025Mar 17, 2025
24 days		Not confirmed
Delay — claims handlingClaim denialAdjuster's handling
Contract language / legal issueInformation furnishedQuestion of fact
Feb 10, 2025May 29, 2025
108 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialWater damagePlumbingFoundationAdjuster's handling
Claim settledInformation furnishedQuestion of fact
Feb 5, 2025Jun 26, 2025
141 days		Confirmed
Premium & ratingRefund of premiumUse Of Clue Reports
Corrective action takenAdditional Payment Expected
Jan 22, 2025Feb 7, 2025
16 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailAdjuster's handling
Question of factAdditional monies receivedInformation furnished
Jan 6, 2025May 13, 2025
127 days		Not confirmed
Other
Information furnished
Jan 3, 2025Apr 15, 2025
102 days		Not confirmed
Claim service & handlingClaim denialWater damageMoldAdjuster's handling
Contract language / legal issueCompany position upheldInformation furnished
Jan 2, 2025Jun 4, 2025
153 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofDamage disputeDepreciationAdjuster's handling
Question of factAdditional Payment ExpectedCompany position upheld
Dec 6, 2024Mar 28, 2025
112 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerWindDamage disputeAdjuster's handling
Corrective action takenClaim settledAdditional monies received
Nov 4, 2024Apr 2, 2025
149 days		Confirmed
Use Of Clue Reports
Corrective action takenInformation furnished
Oct 21, 2024Jan 23, 2025
94 days		Not confirmed
Policyholder servicePremium & rating
Company position upheldInformation furnished
Oct 14, 2024Apr 7, 2025
175 days		Not confirmed
Unsatisfactory settlement or offerRoofDeductibleDepreciation
Contract language / legal issueCompany position upheldInformation furnished
Oct 7, 2024Nov 1, 2024
25 days		Confirmed
Claim service & handlingDelay — claims handlingRoofHailAdjuster's handling
Question of factInformation furnishedAdditional monies received
Sep 4, 2024Oct 4, 2024
30 days		Not confirmed
CancellationPolicyholder service
Contract language / legal issueCompany position upheld
Aug 22, 2024Sep 18, 2024
27 days		Not confirmed
CancellationPolicyholder service
Question of factInformation furnished
Aug 7, 2024Nov 5, 2024
90 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWindAdjuster's handling
Additional monies receivedInformation furnishedCorrective action taken
Jul 29, 2024Jan 29, 2025
184 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailDamage disputeAdjuster's handling
Contract language / legal issueQuestion of factCompany position upheld
Jul 12, 2024Nov 4, 2024
115 days		Not confirmed
Claim denial
Question of factContract language / legal issue
Jul 9, 2024Oct 18, 2024
101 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerHailDamage disputeDeductibleDepreciationAdjuster's handling
Additional monies receivedQuestion of factContract language / legal issue
Jul 9, 2024Oct 9, 2024
92 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailDamage disputeDeductible
Additional monies receivedInformation furnishedCorrective action taken
Jul 2, 2024Sep 27, 2024
87 days		Not confirmed
Claim denialWater damageWind
Information furnishedCompany position upheldContract language / legal issue
Jun 24, 2024Oct 8, 2024
106 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofDamage disputeAppraisalAdjuster's handling
Corrective action takenAdditional Payment Expected
Jun 21, 2024Aug 26, 2024
66 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofWindAdjuster's handling
Question of factAdditional monies receivedInformation furnished
Jun 19, 2024Aug 27, 2024
69 days		Not confirmed
Premium & ratingDeductible
Information furnishedContract language / legal issue
Jun 17, 2024Jul 8, 2024
21 days		Not confirmed
Claim service & handlingRoofWind
Contract language / legal issueCompany position upheld
Jun 12, 2024Sep 4, 2024
84 days		Confirmed
Policyholder serviceDelays (Underwriting)DeductibleAdjuster's handling
Contract language / legal issueInformation furnishedCorrective action taken
Jun 12, 2024Sep 26, 2024
106 days		Not confirmed
Premium & rating
Information furnished
Jun 10, 2024Aug 20, 2024
71 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingDeductibleMoldAdjuster's handling
Question of factInformation furnishedAdditional monies received
May 27, 2024Sep 3, 2024
99 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofAdjuster's handling
Contract language / legal issueCompany position upheld
May 15, 2024Aug 5, 2024
82 days		Not confirmed
Unsatisfactory settlement or offerRoofHailDeductible
Company position upheldContract language / legal issueQuestion of fact
Apr 30, 2024Aug 16, 2024
108 days		Confirmed
Unsatisfactory settlement or offerWater damageAdjuster's handling
Additional Payment ExpectedInformation furnishedCorrective action taken
Mar 27, 2024Jul 1, 2024
96 days		Not confirmed
Claim service & handlingAdjuster's handling
Contract language / legal issueQuestion of fact
Mar 26, 2024Jun 6, 2024
72 days		Not confirmed
Claim denialWater damagePlumbingAdjuster's handling
Contract language / legal issueCompany position upheldInformation furnished
Mar 19, 2024Jun 14, 2024
87 days		Confirmed
Claim denialRoofHailAdjuster's handling
Information furnishedAdditional Payment ExpectedCorrective action taken
Feb 20, 2024Apr 19, 2024
59 days		Not confirmed
Refund of premium
Company position upheldInformation furnishedQuestion of fact
Jan 29, 2024Apr 18, 2024
80 days		Not confirmed
Unsatisfactory settlement or offer
Information furnishedClaim settledAdditional monies received
Jan 10, 2024Mar 13, 2024
63 days		Not confirmed
Claim denialAdjuster's handling
Additional monies receivedInformation furnishedClaim settled
Jan 9, 2024Mar 6, 2024
57 days		Confirmed
Claim service & handlingUnsatisfactory settlement or offerAdjuster's handling
Corrective action takenInformation furnished
Dec 29, 2023Feb 8, 2024
41 days		Not confirmed
Premium & rating
Contract language / legal issueInformation furnished
Nov 27, 2023Jan 25, 2024
59 days		Not confirmed
Unsatisfactory settlement or offerRoofAdjuster's handling
Question of factAdditional monies receivedContract language / legal issue
Nov 9, 2023Jan 2, 2024
54 days		Not confirmed
Delay — claims handlingRoofHailWater damageAdjuster's handling
Additional monies receivedClaim settledInformation furnished
Oct 26, 2023Nov 30, 2023
35 days		Confirmed
Unsatisfactory settlement or offer
Information furnishedAdditional monies received
Oct 26, 2023Dec 22, 2023
57 days		Not confirmed
Claim denialRoofHailWater damageDamage dispute
Contract language / legal issueInformation furnishedAdditional Payment Expected
Oct 19, 2023Jan 3, 2024
76 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerHailAdjuster's handling
Question of factContract language / legal issue
Sep 12, 2023Oct 12, 2023
30 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerDamage disputeDeductible
Additional monies receivedInformation furnished
Aug 31, 2023Sep 28, 2023
28 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Additional Payment ExpectedContract language / legal issueInformation furnished
Aug 30, 2023Nov 7, 2023
69 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerAdjuster's handling
Corrective action takenClaim settledAdditional monies received
Aug 29, 2023Oct 10, 2023
42 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offer
Company position upheldAdditional Payment ExpectedContract language / legal issue
Aug 18, 2023Oct 29, 2023
72 days		Not confirmed
Unsatisfactory settlement or offerRoofHailAdjuster's handling
Additional monies receivedInformation furnished
Aug 7, 2023Oct 19, 2023
73 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damageAdjuster's handling
Question of factContract language / legal issueAdditional Payment Expected
Aug 1, 2023Sep 21, 2023
51 days		Not confirmed
Unsatisfactory settlement or offerRoofHail
Contract language / legal issueQuestion of factAdditional monies received
Jul 3, 2023Jul 18, 2023
15 days		Not confirmed
Unsatisfactory settlement or offerHailAdjuster's handling
Information furnishedContract language / legal issue
Jun 19, 2023Jun 20, 2023
1 days		Not confirmed
Unsatisfactory settlement or offerHail
Complaint Withdrawn
Jun 12, 2023Jul 11, 2023
29 days		Not confirmed
Premium & rating
Information furnished
Jun 5, 2023Jul 2, 2023
27 days		Not confirmed
Unsatisfactory settlement or offerHailDeductible
Contract language / legal issueInformation furnishedCompany position upheld
May 30, 2023Jun 29, 2023
30 days		Not confirmed
Delay — claims handlingAdjuster's handling
Information furnishedQuestion of factClaim settled
Apr 25, 2023Jun 26, 2023
62 days		Confirmed
Premium & ratingRefund of premiumRoofHail
Contract language / legal issueCorrective action taken
Apr 20, 2023Jun 30, 2023
71 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWater damageAdjuster's handling
Additional monies receivedQuestion of factInformation furnished
Feb 10, 2023Apr 25, 2023
74 days		Not confirmed
Claim denialWater damageDamage disputeMold
Company position upheldContract language / legal issueInformation furnished
Feb 8, 2023Apr 19, 2023
70 days		Not confirmed
Premium & ratingRoof
Information furnished
Jan 30, 2023Apr 18, 2023
78 days		Not confirmed
Delay — policyholder serviceRefund of premium
Premium RefundedPolicy Issued/RestoredQuestion of fact
Jan 10, 2023Mar 27, 2023
76 days		Not confirmed
Delay — policyholder service
Information furnished

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
Praetorian Insurance Company
41 confirmed of 136
Spinnaker Insurance Company
43 confirmed of 112
Occidental Fire & Casualty Company of North Carolina
14 confirmed of 107

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 Texas Farm Bureau Mutual 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 Texas Farm Bureau Mutual Insurance Company.