Your reporting and repair requirements
Read the policy’s notice, proof-of-loss, and repair provisions. Ask the insurer to identify applicable dates in writing. Do not wait for a NOAA record to appear before notifying the insurer of a possible loss.
Insurer response timelines
Under the general framework in Texas Insurance Code Chapter 542, acknowledgment and investigation ordinarily begin within 15 days of notice; an eligible surplus-lines insurer has a 30-business-day provision. Acceptance or rejection is generally due within 15 business days after receipt of required information, and payment generally within five business days after acceptance. These are not universal deadlines: applicability, specified extensions, conditions, and catastrophe provisions can change the calculation.
Sections 542.055–.057 and .059 contain the actual rules. Ask TDI or a qualified attorney to evaluate your facts before concluding that an insurer is late.
Disputes and legal action
Do not use an insurer’s response timetable as the deadline to bring a dispute. Applicable policy provisions, legal claims, notice obligations, and facts need individual evaluation. Get timely legal advice rather than assuming that negotiations or a complaint preserve a deadline.
Find official assistance →