Insurance Tips

Insurance Activist Training Kit (PDF)

Texas Watch has created an insurance activist training kit that contains helpful information about the issue and how you can get involved. Click on the link above to download this kit in PDF form.

To file an official complaint against an insurance company

Texas Department of Insurance (TDI)

TDI is the state agency in charge of overseeing the insurance market in Texas.  To ask any questions about an insurance policy or tomake a formal complaint about an insurance company, you can call their Consumer Helpline or fill out their online complaint form.

Consumer Helpline: 1-800-252-3439
Online Complaint Form

Other state agencies that work on insurance issues

*These agencies work on insurance issues on a broader scale than the Department of Insurance. While they cannot review or resolve individual complaints, your story can provide them with valuable information about abuse that is occurring in the insurance market

The Office of Public Insurance Council (OPIC)

OPIC is the state agency charged with representing the interests of consumers in the insurance market. You can contact them online or by phone. According to their website, “statutory authority does not allow us to represent individual consumers;” however “individual complaints may point to a larger issue triggering our involvement. Accordingly, it is important that we hear from you and understand any issues you may be having.”

Online Contact Form
Phone:
1-877-611-6742

The Office of the Attorney General of Texas

The Attorney General helps enforce consumer regulations, including “review[ing] the broad practices of insurance companies as they market their products and pay benefits.”  To file a consumer complaint you can call their Consumer Protection Hotline, or use their online complaint form.

Consumer Protection Hotline: 1-800-621-0508
Insurance Protection Page

Online Complaint Form

Natural Disaster

TDI – Coastal Texans, Storms & Disaster

TDI has a Coastal Texans, Storms & Disaster section on their website with emergency resources (such as their detailed StormLink page), and windstorm inspection information, forms and other links.

Wildfire – Texas Forest Service

Texas Forest Service has tips for preventing and preparing for wildfires, including a map of current wildfire risk across the state.

Wildfire Risk Map

Texas Watch Tips: After a Disaster

Tips for dealing with your insurance company in the wake of a natural disaster from Texas Watch and Americans for Insurance Reform.

More Texas Watch Insurance Tips

Overview of Texas Homeowners Policy Coverage

A Texas Watch report on the changes in homeowners’ policy coverage in Texas. Read More…

Reviewing Your Insurance Coverage

A Texas Watch fact sheet on reviewing your coverage to make sure that you are prepared in case of a catastrophic event. Read More…

Homeowners’ Insurance Inventory List

Texas Watch has come up with a comprehensive homeowners’ insurance inventory list that will help you take a detailed inventory of your home in case of a future insurance claim. Read More…

Homeowners’ Insurance Bill of Rights

Be informed of your rights! As a policyholder, you have certain rights in relation to your insurance company. The Texas Department of Insurance (TDI) has Residential Property and Auto Insurance Bills of Rights available for you to read. Read More…

Glossary of Insurance Terms

A glossary explaining common insurance terms. Read More…

If you would like to continue to look for an attorney:

State Bar Referral Service

The State Bar Association has a lawyer referral number that can help you locate a lawyer in your area who deals with your type of case. You can reach them Monday-Friday 8:30am – 4:30pm. Make sure to tell them the county where you need a lawyer.

Referral Service: 1-800-252-9690

Research & Reports
Research & Reports

The Texas Watch Foundation, a non-partisan 501(c)(3) organization, conducts research and public education activities on consumer law, consumer protection and civil justice issues. Read More »

Court Watch
Court Watch

Court Watch, a program of the Foundation, documents the role and impact of the Texas civil court system on Texas families and Texas public policy. Read More »