Texas has specific protections for weather claims. They don’t cover everything, so it helps to know where the line is.
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TDI says Texas insurers may not raise your premium at renewal because of claims for losses from natural causes, such as hail, and can’t count those claims when deciding to nonrenew you for having three or more claims in three years. Claims still go on your property’s CLUE report for seven years, and other insurers look at that history when you shop for a new policy.
Premiums can still go up for other reasons, such as rate changes for everyone in your area or changes to your home.
Insurers look at a property’s past claims and use them as a factor in pricing homeowners insurance. That history comes from the Comprehensive Loss Underwriting Exchange (CLUE), which shows the claims filed for a property for the past seven years: the date, the type of loss and the amount paid. You can request your own report for free, and buyers can ask a seller for one.
When you call your insurer, be clear about whether you are filing a claim or only asking about coverage. A written contractor’s estimate often answers the real question first: is the damage above your deductible?
Texas insurers generally can’t nonrenew a homeowners policy for claims unless there were three or more in three years, and losses from natural causes like hail can’t be counted.
A CLUE report shows a property’s claims for the past seven years.
Yes. Insurers use claim history from CLUE reports when deciding what to charge a new customer.
This guide is general information for Texas homeowners, not legal or insurance advice. Your policy, your city and your house decide the details.
