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My homeowners claim is delayed. What time limits does my insurer have in Texas?
Home insuranceSlow or stuckTexasChecked Nov 5, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-05 · Source: TDI View original ↗
In short
- In Texas, your insurer has 15 business days to start your claim.
- It has 15 more business days to decide once it has what it needs.
- Keep a dated list of what you sent. TDI takes complaints at 800-252-3439.
What this means
TDI describes these Texas time limits for a home or car claim with your own insurer [1]: • 15 business days to say it got your claim, start its review and ask for what it needs. • 15 business days after getting what it needs from you to say whether it will pay. A rejection must be explained in writing. The company can extend by 45 days if it tells you why, and TDI can add 15 more days after a weather-related catastrophe. • 5 business days to pay after it agrees to pay all or part.
For homes with a mortgage, TDI says the payment usually goes to the mortgage company, which must contact you within 10 days of getting it [1].
Your next step
+ deadline: write down when you sent each item the company asked for, because the 15-business-day decision clock runs from that point [1]. TDI takes complaints at 800-252-3439 [2].
Where this comes from (2)
[1] TDI · checked 2026-11-05
Deadline: Your company has 15 business days to say it got your claim. … Your company has 15 business days after getting what it needs from you to tell you if it will pay your claim. If the company rejects your claim, it must say why in writing. The company can extend this deadline by 45 days if they tell you why they need more time. Note: TDI can extend these deadlines by 15 more days if there is a weather-related ca…
[2] TDI · checked 2026-11-05
Call our Help Line at 800-252-3439.
How we found this
We matched your question to 2 official sources, quoted the exact lines, and re-checked each quote against its source on 2026-11-05.
What we don’t know yet
Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.
Every answer is checked against the official rule it quotes.
Information only — not legal advice. Your plan, insurer or agency decides.
This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.
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