Back to News
Texas TDI NewsState DOITX
Texas homeowners protected from being denied insurance based on roof age
Plain English Summary
The Texas Department of Insurance has updated its rules to protect homeowners from being denied insurance based solely on the age of their home or roof. Insurance companies can still consider the condition of the home and its parts, like plumbing or wiring, but they cannot reject a policy just because the home is older. This change aims to ensure that all Texans have fair access to home insurance, regardless of age. Agents should inform their clients about this rule and ensure they understand their rights regarding home insurance coverage.
+View original text
The Texas Department of Insurance (TDI) is
clarifying its rule
that insurance companies can’t decline or not renew a home insurance policy based on the age of a house or its roof.
Under the rule, insurance companies may base decisions on the physical conditions of the home or its components, such as roofing, wiring, heating, air conditioning, plumbing, or siding.
But the rule makes it clear that companies can’t deny or not renew a policy simply because the house or any of these materials are older.
“Texans deserve fair access to home insurance, no matter the age of their home,” said Insurance Commissioner Amanda Crawford. “By strengthening clarity and accountability, we’re building a more transparent insurance market that supports Texans.”
TDI developed this rule in response to Governor Greg Abbott's directive for TDI to
support Texas homeowners
, including prohibiting insurance companies from rejecting policies based solely on the age of a house or its components. It’s
one of several actions
Commissioner Crawford outlined to carry out the directive and help make auto and home insurance more affordable.
Have a question about insurance? Call the TDI Help Line at 800-252-3439 or visit
www.tdi.texas.gov
.
Resources:
How are your auto and homeowners insurance costs calculated?
Auto and home policy underwriting: Learn how companies provide you insurance.
Lower your home insurance costs: Tips for saving money