Texas Carrier Complaint Index/Water damage complaints

Texas homeowner complaints · Water damage

Water damage complaints, and what Texas did about them

Texans filed 4,893 homeowner insurance complaints tagged water damage between January 1, 2023 and July 21, 2026. The Texas Department of Insurance confirmed 1,074 of them — 21.9%, against 22.0% across every homeowner complaint on file. That is about average: the state is neither more nor less persuaded by these than by anything else.

4,893
complaints tagged water damage
1,074
confirmed by TDI
21.9%
confirmation rate · 22.0% across all complaints
1,093
of all 4,893 ended with the carrier paying more money

Which carriers these land on

Respondents with 20 or more water damage complaints

Volume follows market share — the biggest writers top this list because they write the most policies. The last column is the more telling one: it is the share of that carrier’s total complaints carrying this tag, which says what its book is actually generating disputes over.

How these complaints end

Dispositions on the 1,074 confirmed water damage complaints
Corrective action taken742 · 69%
Contract language / legal issue479 · 45%
Additional monies received438 · 41%
Information furnished436 · 41%
Claim settled303 · 28%
Additional Payment Expected283 · 26%
Question of fact230 · 21%
Company position upheld95 · 9%
One complaint can close with several dispositions, so shares overlap. Median time from filing to close: 72 days, against 70 statewide.

The records

120 most recent of 4,893 · confirmed rows shaded
ReceivedClosedCarrierTDI verdictWhat the complaint was aboutHow it closed
Jul 21, 2026Jul 30, 2026
9 days
Foremost County Mutual Insurance CompanyNot confirmed
Claim service & handlingClaim denialWater damagePlumbingAdjuster's handling
Information furnishedContract language / legal issueCompany position upheld
Jul 17, 2026Jul 29, 2026
12 days
R.V.O.S. Farm Mutual Insurance CompanyNot confirmed
CancellationClaim service & handlingClaim denialRoofWater damageWindDepreciation
Question of factCompany position upheldContract language / legal issue
Jul 15, 2026Jul 31, 2026
16 days
Liberty Insurance CorporationNot confirmed
Claim service & handlingDelay — claims handlingRoofHailWater damageWindLoss of use
Contract language / legal issueCompany position upheldQuestion of fact
Jul 15, 2026Jul 27, 2026
12 days
Texas Farm Bureau Mutual Insurance CompanyNot confirmed
Claim service & handlingClaim denialRoofWater damageWind
Company position upheldContract language / legal issue
Jul 15, 2026Jul 31, 2026
16 days
USAA General Indemnity CompanyConfirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputeAdjuster's handling
Contract language / legal issueCorrective action takenAdditional monies received
Jul 15, 2026Jul 31, 2026
16 days
Spinnaker Insurance CompanyConfirmed
Claim service & handlingUnsatisfactory settlement or offerWater damagePlumbingLoss of useMoldAdjuster's handling
Corrective action takenQuestion of factContract language / legal issue
Jul 15, 2026Jul 31, 2026
16 days
American Risk Insurance Company, Inc.Not confirmed
Claim service & handlingDelay — claims handlingWater damagePlumbingLoss of useMoldAdjuster's handling
Question of factInformation furnished
Jul 15, 2026Jul 30, 2026
15 days
State Farm LloydsNot confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWater damageDeductibleAdjuster's handling
Information furnishedCompany position upheldContract language / legal issue
Jul 13, 2026Jul 29, 2026
16 days
Allstate Vehicle and Property Insurance CompanyNot confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWater damageWindDamage disputeDeductibleAdjuster's handling
Company position upheldQuestion of factContract language / legal issue
Jul 13, 2026Jul 27, 2026
14 days
SureChoice Underwriters Reciprocal ExchangeConfirmed
Claim service & handlingDelay — claims handlingWater damageMoldAdjuster's handling
Corrective action takenClaim settledContract language / legal issue
Jul 13, 2026Jul 28, 2026
15 days
Liberty Mutual Insurance CompanyNot confirmed
Claim service & handlingDelay — claims handlingWater damageDamage disputePlumbingAdjuster's handling
Company position upheldContract language / legal issueQuestion of fact
Jul 10, 2026Jul 29, 2026
19 days
Liberty Mutual Personal Insurance CompanyNot confirmed
Delay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputePlumbing
Contract language / legal issueCompany position upheldInformation furnished
Jul 9, 2026Jul 27, 2026
18 days
State Farm LloydsNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputeLoss of useAdjuster's handling
Information furnishedQuestion of factContract language / legal issue
Jul 9, 2026Jul 30, 2026
21 days
Mid-Century Insurance Company of TexasNot confirmed
Claim service & handlingClaim denialWater damagePlumbingMoldAdjuster's handling
Question of factAdditional Payment ExpectedContract language / legal issue
Jul 8, 2026Jul 23, 2026
15 days
Amica Mutual Insurance CompanyConfirmed
Delay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputeDeductibleAdjuster's handling
Additional monies receivedCorrective action takenContract language / legal issue
Jul 7, 2026Jul 22, 2026
15 days
State Farm LloydsConfirmed
Claim denialPolicy ExclusionWater damagePlumbingAdjuster's handling
Information furnishedContract language / legal issueCorrective action taken
Jul 7, 2026Jul 22, 2026
15 days
State Farm LloydsConfirmed
Claim service & handlingDelay — claims handlingNon-RenewalUnsatisfactory settlement or offerRoofWater damageAppraisalMold
Non-renewal rescindedInformation furnishedCorrective action taken
Jul 7, 2026Jul 24, 2026
17 days
Ranchers and Farmers Mutual Insurance CompanyConfirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingMoldAdjuster's handling
Additional monies receivedInformation furnishedCorrective action taken
Jul 7, 2026Jul 30, 2026
23 days
State Farm LloydsNot confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damageAdjuster's handling
Contract language / legal issueCompany position upheldAdditional Payment Expected
Jul 6, 2026Jul 31, 2026
25 days
Allstate Vehicle and Property Insurance CompanyConfirmed
Claim service & handlingDelay — claims handlingWater damageAdjuster's handling
Question of factAdditional Payment Expected
Jul 6, 2026Jul 23, 2026
17 days
Hochheim Prairie Farm Mutual Insurance AssociationNot confirmed
Claim service & handlingClaim denialWater damagePlumbingAdjuster's handling
Appraisal Process InvokedContract language / legal issueQuestion of fact
Jul 6, 2026Jul 24, 2026
18 days
State Farm LloydsNot confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damagePlumbingFoundationAdjuster's handling
Additional monies receivedContract language / legal issue
Jul 6, 2026Jul 22, 2026
16 days
Foremost County Mutual Insurance CompanyNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageWindDamage disputeAdjuster's handling
Question of factCompany position upheldContract language / legal issue
Jul 6, 2026Jul 22, 2026
16 days
State Farm LloydsNot confirmed
Policy ExclusionUnsatisfactory settlement or offerRoofHailWater damageDamage disputeAdjuster's handling
Contract language / legal issueQuestion of factCompany position upheld
Jul 3, 2026Jul 28, 2026
25 days
Allstate Vehicle and Property Insurance CompanyNot confirmed
Claim service & handlingDelay — claims handlingPremium & ratingUnsatisfactory settlement or offerWater damageDamage disputePlumbingLoss of useMoldAdjuster's handling
Contract language / legal issueCompany position upheldInformation furnished
Jul 2, 2026Jul 20, 2026
18 days
Allstate Vehicle and Property Insurance CompanyNot confirmed
Claim service & handlingDelay — claims handlingClaim denialPolicy ExclusionWater damagePlumbingMoldAdjuster's handling
Information furnishedCompany position upheldContract language / legal issue
Jul 2, 2026Jul 29, 2026
27 days
Southern Vanguard Insurance CompanyNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputePlumbingAdjuster's handling
Question of factCompany position upheldContract language / legal issue
Jul 2, 2026Jul 31, 2026
29 days
Foremost County Mutual Insurance CompanyNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageWindAdjuster's handling
Contract language / legal issueQuestion of fact
Jul 2, 2026Jul 23, 2026
21 days
Safeco Insurance Company of IndianaNot confirmed
Claim service & handlingDelay — claims handlingClaim denialWater damageDamage disputeLoss of useMoldAdjuster's handling
Company position upheldContract language / legal issue
Jul 1, 2026Jul 20, 2026
19 days
Foremost County Mutual Insurance CompanyConfirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageWindDamage disputeAdjuster's handling
Contract language / legal issueCorrective action takenInformation furnished
Jul 1, 2026Jul 21, 2026
20 days
State Farm LloydsNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputeAppraisalLoss of useAdjuster's handling
Question of factInformation furnishedContract language / legal issue
Jul 1, 2026Jul 10, 2026
9 days
Allstate Vehicle and Property Insurance CompanyNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputePlumbingAdjuster's handling
Additional monies receivedQuestion of factInformation furnished
Jul 1, 2026Jul 21, 2026
20 days
American Hallmark Insurance Company of TexasConfirmed
Claim service & handlingDelay — claims handlingWater damage
Corrective action takenAdditional monies receivedContract language / legal issue
Jul 1, 2026Jul 30, 2026
29 days
Foremost Insurance Company Grand Rapids, MichiganNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputePlumbingLoss of useAdjuster's handling
Additional monies receivedCompany position upheldContract language / legal issue
Jun 30, 2026Jul 24, 2026
24 days
Conifer Insurance CompanyConfirmed
Claim service & handlingDelay — claims handlingRoofHailWater damageWindAppraisalAdjuster's handling
Corrective action takenInformation furnished
Jun 30, 2026Jul 30, 2026
30 days
Woodlands Insurance Company, TheNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageDamage disputeLoss of useAdjuster's handling
Appraisal Process InvokedContract language / legal issueAdditional Payment Expected
Jun 30, 2026Jul 30, 2026
30 days
Tatum Insurance Agency LLCNot confirmed
Policyholder serviceRoofWater damageDamage disputeLoss of useAdjuster's handling
Company position upheldQuestion of fact
Jun 30, 2026Jul 22, 2026
22 days
R.V.O.S. Farm Mutual Insurance CompanyConfirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageWindDepreciationAdjuster's handling
Additional Payment ExpectedCorrective action takenContract language / legal issue
Jun 30, 2026Jul 30, 2026
30 days
USAA General Indemnity CompanyNot confirmed
Claim denialEndorsement / RiderWater damagePlumbing
Company position upheldContract language / legal issueInformation furnished
Jun 30, 2026Jul 17, 2026
17 days
ASI LloydsConfirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingLoss of useAdjuster's handling
Contract language / legal issueAdditional Payment ExpectedCorrective action taken
Jun 29, 2026Jul 23, 2026
24 days
Allstate Vehicle and Property Insurance CompanyNot confirmed
Claim service & handlingDelay — claims handlingRoofWater damageAdjuster's handling
Company position upheldInformation furnishedAdditional Payment Expected
Jun 29, 2026Jul 9, 2026
10 days
SureChoice Underwriters Reciprocal ExchangeConfirmed
Claim service & handlingDelay — claims handlingWater damageAdjuster's handling
Corrective action takenClaim settled
Jun 29, 2026Jul 17, 2026
18 days
State Farm LloydsConfirmed
Claim service & handlingDelay — claims handlingClaim denialHailWater damageWindDeductibleLoss of useMoldAdjuster's handling
Contract language / legal issueCorrective action takenCompany position upheld
Jun 29, 2026Jul 31, 2026
32 days
Benchmark Insurance CompanyNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageWindDamage disputeAppraisalDepreciationAdjuster's handling
Additional Payment ExpectedContract language / legal issueCompany position upheld
Jun 29, 2026Jul 29, 2026
30 days
Underwriters at Lloyd's, LondonNot confirmed
Claim service & handlingClaim denialHailWater damageWindAdjuster's handling
Contract language / legal issue
Jun 29, 2026Jul 17, 2026
18 days
State Farm LloydsConfirmed
Claim service & handlingClaim denialWater damagePlumbingAdjuster's handling
Additional monies receivedInformation furnishedCorrective action taken
Jun 29, 2026Jul 30, 2026
31 days
Travelers Personal Insurance CompanyNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageLoss of useAdjuster's handling
Contract language / legal issueInformation furnishedAdditional Payment Expected
Jun 29, 2026Jul 31, 2026
32 days
State Farm LloydsNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputePlumbingAdjuster's handling
Contract language / legal issueQuestion of factCompany position upheld
Jun 26, 2026Jul 17, 2026
21 days
Liberty Insurance CorporationConfirmed
Claim service & handlingDelay — claims handlingClaim denialRoofHailWater damageWindDamage disputeAdjuster's handling
Contract language / legal issueCorrective action takenCompany position upheld
Jun 26, 2026Jul 28, 2026
32 days
Woodlands Insurance Company, TheNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageAppraisalDepreciationLoss of useAdjuster's handling
Additional monies receivedAppraisal Process InvokedQuestion of fact
Jun 26, 2026Jul 29, 2026
33 days
Homesite Lloyd's of TexasNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageAdjuster's handling
Contract language / legal issueCompany position upheldAdditional Payment Expected
Jun 25, 2026Jul 30, 2026
35 days
American Risk Insurance Company, Inc.Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWater damage
Corrective action takenContract language / legal issueAdditional monies received
Jun 25, 2026Jul 28, 2026
33 days
Orion 180 Insurance CompanyNot confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damageAdjuster's handling
Contract language / legal issueCompany position upheld
Jun 25, 2026Jul 9, 2026
14 days
Geico Insurance Agency, LLCNot confirmed
Policyholder serviceMisrepresentationWater damagePlumbingLoss of use
Company position upheldQuestion of fact
Jun 25, 2026Jul 9, 2026
14 days
Travelers Personal Insurance CompanyNot confirmed
Policyholder serviceClaim denialPolicy ExclusionWater damagePlumbingLoss of use
Company position upheldContract language / legal issue
Jun 25, 2026Jul 28, 2026
33 days
USAA Casualty Insurance CompanyNot confirmed
Claim denialWater damageDamage disputePlumbingFoundation
Contract language / legal issueInformation furnishedCompany position upheld
Jun 24, 2026Jul 15, 2026
21 days
Safeco Insurance Company of IndianaConfirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageWindDepreciation
Additional Payment ExpectedContract language / legal issueCorrective action taken
Jun 24, 2026Jul 22, 2026
28 days
Liberty Insurance CorporationNot confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWater damageWindDamage dispute
Information furnishedCompany position upheldContract language / legal issue
Jun 24, 2026Jul 16, 2026
22 days
Orion 180 Insurance CompanyNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingMoldAdjuster's handling
Additional Payment ExpectedContract language / legal issue
Jun 23, 2026Jul 2, 2026
9 days
United Services Automobile AssociationConfirmed
Claim service & handlingClaim denialWater damageLoss of use
Contract language / legal issueCompany position upheldQuestion of fact
Jun 23, 2026Jul 20, 2026
27 days
One Alliance North America Insurance CompanyConfirmed
Claim service & handlingDelay — claims handlingWater damageAdjuster's handling
Additional monies received
Jun 23, 2026Jul 27, 2026
34 days
Garrison Property and Casualty Insurance CompanyNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingLoss of useMold
Question of factAdditional Payment ExpectedAdditional monies received
Jun 23, 2026Jul 1, 2026
8 days
Allstate Indemnity CompanyNot confirmed
Claim denialRoofWater damageWindLoss of use
Company position upheldInformation furnishedContract language / legal issue
Jun 23, 2026Jul 14, 2026
21 days
Travelers Home and Marine Insurance Company, theNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageDamage disputeAdjuster's handling
Contract language / legal issueQuestion of factCompany position upheld
Jun 23, 2026Jul 14, 2026
21 days
Travelers Personal Insurance CompanyNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingLoss of useAdjuster's handling
Information furnishedContract language / legal issueQuestion of fact
Jun 23, 2026Jul 14, 2026
21 days
Allstate Vehicle and Property Insurance CompanyNot confirmed
Claim denialWater damage
Company position upheldQuestion of factContract language / legal issue
Jun 23, 2026Jul 28, 2026
35 days
Economy Preferred Insurance CompanyNot confirmed
Claim denialWater damageAdjuster's handling
Information furnishedCompany position upheldContract language / legal issue
Jun 22, 2026Jul 22, 2026
30 days
Allstate Vehicle and Property Insurance CompanyNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingLoss of useMoldAdjuster's handling
Information furnishedClaim settledQuestion of fact
Jun 22, 2026Jul 10, 2026
18 days
Homesite Insurance CompanyConfirmed
Claim service & handlingUnsatisfactory settlement or offerWater damageDepreciationMold
Contract language / legal issueClaim settledCorrective action taken
Jun 22, 2026Jul 10, 2026
18 days
Homesite Insurance CompanyConfirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputeLoss of useAdjuster's handling
Contract language / legal issueCorrective action takenCompany position upheld
Jun 22, 2026Jul 27, 2026
35 days
Kinsale Insurance CompanyNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageAppraisalMold
Company position upheldContract language / legal issueInformation furnished
Jun 22, 2026Jul 7, 2026
15 days
Texas Farmers Insurance CompanyNot confirmed
Claim denialRoofWater damageLoss of use
Company position upheldContract language / legal issueInformation furnished
Jun 22, 2026Jul 21, 2026
29 days
Allstate Vehicle and Property Insurance CompanyNot confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damageDamage dispute
Company position upheldInformation furnishedQuestion of fact
Jun 22, 2026Jul 9, 2026
17 days
Germania Farm Mutual Insurance AssociationNot confirmed
Unsatisfactory settlement or offerRoofWater damageWindDamage disputeAdjuster's handling
Company position upheldContract language / legal issueQuestion of fact
Jun 22, 2026Jul 6, 2026
14 days
Texas Windstorm Insurance AssociationNot confirmed
Unsatisfactory settlement or offerRoofWater damageWindDamage dispute
Information furnishedContract language / legal issueCompany position upheld
Jun 22, 2026Jul 30, 2026
38 days
Homesite Insurance CompanyNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageAppraisalLoss of useAdjuster's handling
Question of factAdditional Payment ExpectedContract language / legal issue
Jun 22, 2026Jul 21, 2026
29 days
Garrison Property and Casualty Insurance CompanyConfirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingLoss of useAdjuster's handling
Corrective action takenInformation furnishedAdditional monies received
Jun 22, 2026Jul 7, 2026
15 days
Texas Windstorm Insurance AssociationNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerHailWater damageWindDamage disputeAdjuster's handling
Question of factContract language / legal issueInformation furnished
Jun 22, 2026Jul 17, 2026
25 days
Auros Reciprocal Insurance ExchangeNot confirmed
Unsatisfactory settlement or offerWater damagePlumbingAdjuster's handling
Contract language / legal issueCompany position upheldInformation furnished
Jun 19, 2026Jul 22, 2026
33 days
State Farm LloydsNot confirmed
Delay — claims handlingUnsatisfactory settlement or offerWater damageAdjuster's handling
Company position upheldContract language / legal issueAdditional Payment Expected
Jun 19, 2026Jul 20, 2026
31 days
Travelers Personal Insurance CompanyConfirmed
Claim service & handlingClaim denialWater damageAdjuster's handling
Corrective action takenClaim settledInformation furnished
Jun 19, 2026Jul 20, 2026
31 days
Garrison Property and Casualty Insurance CompanyNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingAdjuster's handling
Question of factCompany position upheld
Jun 19, 2026Jul 7, 2026
18 days
Woodlands Insurance Company, TheNot confirmed
Claim service & handlingDelay — claims handlingRoofWater damageAdjuster's handling
Question of factInformation furnishedAdditional monies received
Jun 19, 2026Jul 29, 2026
40 days
State Farm LloydsConfirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputeLoss of useAdjuster's handling
Additional monies receivedCorrective action takenContract language / legal issue
Jun 18, 2026Jul 22, 2026
34 days
American Economy Insurance CompanyNot confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damageDamage disputePlumbingDepreciationMoldAdjuster's handling
Company position upheldContract language / legal issueQuestion of fact
Jun 18, 2026Jul 16, 2026
28 days
Allstate Vehicle and Property Insurance CompanyConfirmed
Claim service & handlingDelay — claims handlingWater damagePlumbing
Corrective action takenAdditional Payment ExpectedContract language / legal issue
Jun 18, 2026Jul 6, 2026
18 days
Travelers Personal Insurance CompanyNot confirmed
Claim denialWater damage
Company position upheldInformation furnishedContract language / legal issue
Jun 18, 2026Jul 13, 2026
25 days
Texas Farmers Insurance CompanyNot confirmed
Claim service & handlingDelay — claims handlingWater damageMoldAdjuster's handling
Contract language / legal issueAdditional Payment ExpectedInformation furnished
Jun 18, 2026Jul 21, 2026
33 days
Agricultural Workers Mutual Auto Insurance CompanyConfirmed
Delay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingDeductibleLoss of useAdjuster's handling
Contract language / legal issueAdditional monies receivedCorrective action taken
Jun 18, 2026Jul 1, 2026
13 days
Homeowners of America Insurance CompanyNot confirmed
Policyholder serviceWater damage
Contract language / legal issueQuestion of factInformation furnished
Jun 17, 2026Jul 7, 2026
20 days
State Farm LloydsConfirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingLoss of useAdjuster's handling
Additional Payment ExpectedCorrective action takenAdditional monies received
Jun 17, 2026Jul 15, 2026
28 days
American Bankers Insurance Company of FloridaNot confirmed
Claim denialWater damagePlumbingLoss of useMold
Information furnishedCompany position upheldContract language / legal issue
Jun 17, 2026Jul 8, 2026
21 days
USAA General Indemnity CompanyNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingDepreciationMold
Company position upheldQuestion of factContract language / legal issue
Jun 17, 2026Jul 7, 2026
20 days
USAA Casualty Insurance CompanyConfirmed
Claim service & handlingDelay — claims handlingWater damageAdjuster's handling
Claim settledContract language / legal issueInformation furnished
Jun 17, 2026Jul 2, 2026
15 days
State Farm LloydsNot confirmed
Claim service & handlingWater damageLoss of useAdjuster's handling
Contract language / legal issueInformation furnishedAdditional monies received
Jun 17, 2026Jul 15, 2026
28 days
State Farm LloydsNot confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofWater damageWindDamage dispute
Contract language / legal issueCompany position upheld
Jun 16, 2026Jul 28, 2026
42 days
State Farm LloydsNot confirmed
Premium & ratingUse Of Clue ReportsWater damage
Information furnishedCompany position upheldContract language / legal issue
Jun 16, 2026Jul 2, 2026
16 days
State Farm LloydsConfirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingAdjuster's handling
Claim settledInformation furnishedContract language / legal issue
Jun 16, 2026Jul 9, 2026
23 days
USAA Casualty Insurance CompanyConfirmed
Claim service & handlingDelay — claims handlingWater damagePlumbing
Corrective action takenAdditional monies receivedInformation furnished
Jun 16, 2026Jul 8, 2026
22 days
Liberty Mutual Insurance CompanyNot confirmed
Claim service & handlingDelay — claims handlingWater damageLoss of useAdjuster's handling
Additional Payment ExpectedContract language / legal issueInformation furnished
Jun 16, 2026Jul 17, 2026
31 days
Texas Windstorm Insurance AssociationNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageWindDamage disputeAdjuster's handling
Contract language / legal issueAdditional monies receivedQuestion of fact
Jun 15, 2026Jul 16, 2026
31 days
Texas Farmers Insurance CompanyNot confirmed
Claim denialWater damageDamage disputePlumbingAdjuster's handling
Company position upheldInformation furnishedContract language / legal issue
Jun 15, 2026Jul 13, 2026
28 days
Auros Reciprocal Insurance ExchangeNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageDamage disputeLoss of useAdjuster's handling
Claim settledQuestion of factContract language / legal issue
Jun 15, 2026Jul 2, 2026
17 days
Allstate Vehicle and Property Insurance CompanyConfirmed
Claim service & handlingDelay — claims handlingWater damage
Contract language / legal issueCorrective action takenInformation furnished
Jun 15, 2026Jun 30, 2026
15 days
State Farm LloydsNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage dispute
Question of factAdditional monies receivedClaim settled
Jun 15, 2026Jul 13, 2026
28 days
Southern Vanguard Insurance CompanyConfirmed
Claim service & handlingDelay — claims handlingRoofWater damageWindDamage disputeAppraisalAdjuster's handling
Contract language / legal issueClaim settledCorrective action taken
Jun 15, 2026Jun 30, 2026
15 days
Auto Club Indemnity CompanyNot confirmed
Claim denialPolicy ExclusionRoofWater damageDamage disputeAdjuster's handling
Information furnishedContract language / legal issueCompany position upheld
Jun 12, 2026Jul 6, 2026
24 days
Foremost Insurance Company Grand Rapids, MichiganNot confirmed
Claim service & handlingClaim denialWater damageWind
Company position upheldContract language / legal issueInformation furnished
Jun 12, 2026Jul 8, 2026
26 days
American Risk Insurance Company, Inc.Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageWindDamage dispute
Appraisal Process InvokedQuestion of factCorrective action taken
Jun 12, 2026Jul 8, 2026
26 days
State Farm LloydsConfirmed
Delay — claims handlingClaim denialWater damageLoss of use
Additional monies receivedCorrective action takenContract language / legal issue
Jun 12, 2026Jul 2, 2026
20 days
State Farm LloydsNot confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageWindAppraisalAdjuster's handling
Contract language / legal issueCompany position upheldQuestion of fact
Jun 11, 2026Jul 13, 2026
32 days
Elevate Reciprocal ExchangeConfirmed
Claim service & handlingUnsatisfactory settlement or offerHailWater damageWindAdjuster's handling
Additional Payment ExpectedCorrective action takenAdditional monies received
Jun 11, 2026Jul 9, 2026
28 days
American Bankers Insurance Company of FloridaNot confirmed
Claim denialRoofWater damageWind
Question of factContract language / legal issueCompany position upheld
Jun 10, 2026Jun 26, 2026
16 days
Auros Reciprocal Insurance ExchangeNot confirmed
Claim service & handlingDelay — claims handlingWater damagePlumbingLoss of useAdjuster's handling
Information furnishedAdditional Payment ExpectedContract language / legal issue
Jun 10, 2026Jun 19, 2026
9 days
Texas Fair Plan AssociationNot confirmed
Claim service & handlingPolicy ExclusionUnsatisfactory settlement or offerRoofHailWater damageWindDamage disputeAppraisalAdjuster's handling
Company position upheldInformation furnishedContract language / legal issue
Jun 10, 2026Jun 30, 2026
20 days
American Bankers Insurance Company of FloridaConfirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputePlumbingAdjuster's handling
Corrective action takenAdditional monies receivedQuestion of fact
Jun 10, 2026Jun 19, 2026
9 days
Travelers Personal Insurance CompanyNot confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damageDeductibleAdjuster's handling
Information furnishedClaim settledQuestion of fact
Jun 10, 2026Jul 7, 2026
27 days
Homesite Indemnity CompanyConfirmed
Claim service & handlingDelay — claims handlingClaim denialWater damageWindDeductibleAdjuster's handling
Contract language / legal issueCorrective action takenInformation furnished
Jun 10, 2026Jun 16, 2026
6 days
Texas Farmers Insurance CompanyNot confirmed
Claim service & handlingClaim denialWater damagePlumbingLoss of useAdjuster's handling
Information furnishedCompany position upheldContract language / legal issue
Jun 10, 2026Jul 1, 2026
21 days
Texas Farm Bureau Mutual Insurance CompanyNot confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damage
Information furnishedCompany position upheldQuestion of fact

These are the rows TDI publishes, unedited, for complaints carrying the water damage tag. They 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 4,893; the counts everywhere else on this page cover all 4,893.

About this page

Source: Texas Department of Insurance, “Insurance complaints: All data”, homeowners coverage, complaints received on or after January 1, 2023against organizational respondents, where TDI’s own keyword tagging includes WATER DAMAGE. Snapshot pulled August 3, 2026.

TDI records issue tags on about 78% of homeowner complaints and a single complaint often carries several, so every count on this page is a floor rather than a total. A confirmed complaint is one TDI reviewed and found had merit; it is not a finding of bad faith, a court judgment, or a sanction. 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.