Texas public adjusters · Claims by insurer
Texas home insurance claim denied or underpaid?
Texas homeowners file claims for hail, wind, tornadoes, freezes and water damage. When the insurer denies or underpays, the Texas Prompt Payment of Claims Act and your policy language set the ground rules.
American Financial Claims represents policyholders—not insurance companies. We review the policy, the damage and the carrier’s position before explaining whether a public adjuster can help.
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- Texas public adjuster license 3475757
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Disclaimer: American Financial Claims is not affiliated with, endorsed by, or sponsored by any insurance company listed on this page. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
Largest home insurers in Texas
Numbers 1–10 ranked by 2024 homeowners direct written premium (insurance group level, Texas Department of Insurance). Published by the state insurance regulator.
| # | Insurer | Share |
|---|---|---|
| 1 | State Farm | 19.10% |
| 2 | Allstate | 16.79% |
| 3 | USAA | 11.22% |
| 4 | Farmers | 8.15% |
| 5 | Liberty Mutual | 6.05% |
| 6 | Travelers | 5.15% |
| 7 | American Family | 3.98% |
| 8 | Texas Farm Bureau | 2.44% |
| 9 | Progressive (ASI) | 2.39% |
| 10 | SURE (Iron Family Holdings) | 2.38% |
| 11 | ChubbSource rank #13 | 1.76% |
| 12 | AAA (Auto Club Indemnity)Source rank #14 | 1.74% |
| 13 | Homeowners of AmericaSource rank #16 | 1.62% |
| 14 | NationwideSource rank #19 | 1.44% |
| 15 | Texas FAIR Plan (insurer of last resort)Source rank #23 | 0.93% |
Source: Texas Department of Insurance, Texas homeowners insurance market overview: insurance groups with the highest market share, 2024 direct written premium. Iron Family Holdings Group (10th) is shown under SURE, its consumer-facing exchange. Company-level Top 40 writers beyond the group list have separate pages where we publish guides. Each name links to its claim guide. Market share describes size only; it says nothing about how any claim was handled.
Don’t see your insurance company?
Don’t worry. We can most likely represent you with your Texas carrier too. Every claim is different, so we’ll tell you honestly after a free review.
Start my free claim reviewAfter a commissioner-declared weather catastrophe, prompt-payment deadlines get 15 more business days (Tex. Ins. Code § 542.059).
Texas claim rules and what to do after a denial or low offer
- 1
Get the decision and the reasons in writing
A Texas insurer must accept or reject a claim in writing within 15 business days after it receives everything it asked for, or within 45 days if it notifies you why it needs more time. A rejection must state the reasons (Tex. Ins. Code § 542.056).
- 2
Know the other prompt-payment deadlines
Acknowledgment and information requests within 15 days of notice (§ 542.055); payment within 5 business days after the insurer says it will pay (§ 542.057).
- 3
Read the exact policy language cited
Find the exclusion or condition the letter relies on, then read your declarations page and endorsements: deductibles, roof or cosmetic-damage terms, water damage limits and any matching or ordinance-or-law coverage.
- 4
Use the policy’s appraisal clause if the fight is about the amount
Most homeowners policies have an appraisal clause for disagreements about the amount of loss, not coverage. Read its exact steps, costs and deadlines before invoking it.
- 5
Mind the complaint and pre-suit steps
You can complain to TDI in writing. According to TDI, if the damage was caused by a disaster, you must notify the insurer in writing at least 61 days before suing. Coastal wind claims under TWIA have a 1-year filing deadline.
More on Texas claims: Texas public adjusters
Texas insurance claim FAQ
How long does a Texas insurer have to accept or reject my claim?
Under the Texas Prompt Payment of Claims Act, an insurer generally must acknowledge a claim within 15 days (Tex. Ins. Code § 542.055) and accept or reject it in writing within 15 business days after receiving everything it asked for, or up to 45 days if it tells you why it needs more time (§ 542.056). Once it agrees to pay, payment is due within 5 business days (§ 542.057). After a weather catastrophe declared by the commissioner, these deadlines get 15 more days (§ 542.059).
Is American Financial Claims licensed in Texas?
Yes. American Financial Claims holds a Texas public adjuster license 3475757. We represent policyholders only, never insurance companies, and we can inspect in person, by phone or by video.
My insurance company isn’t listed. Can you still help?
Yes. The list shows the largest home insurers by market share, not the only ones. Texas’s claim-handling rules apply to every insurer licensed in the state, and the review works the same way whoever wrote your policy.
Can you guarantee the insurer will change its decision?
No. No one can honestly guarantee an outcome. We review the file, tell you what we see, and represent you if it makes sense to work together. Every claim is different, and prior results do not guarantee a similar outcome.
What does the review cost?
The claim review is free, and asking questions doesn’t hire us. If it makes sense to work together, the fee and services are explained in a written agreement before you sign.
General information, not legal advice. Policies and state laws differ, and laws change.
Sources
- Texas Department of Insurance, Texas homeowners insurance market overview: insurance groups with the highest market share, 2024 direct written premium
- Texas Insurance Code, Chapter 542, Subchapter B (Prompt Payment of Claims), §§ 542.055–542.060
- Texas Department of Insurance, Home insurance guide (claims deadlines, appraisal, complaints; updated June 1, 2026)
- Texas Department of Insurance, Top 40 list of insurers in Texas: Homeowners (company level)
Sources checked September 27, 2026.
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Disclaimer: American Financial Claims is not affiliated with, endorsed by, or sponsored by any insurance company listed on this page. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
American Financial Claims is a licensed public adjusting firm, not a law firm. We do not provide legal advice. Texas public adjuster license 3475757. Office: Brickell Arch, 1395 Brickell Ave, Suite 800, Miami, FL 33131. Every insurance claim is different, and prior results do not guarantee a similar outcome.