Storm Data and Insurance
What Texas Homeowners Actually Complain About on Insurance Claims: Real TDI Data
Texas homeowners filed 7,491 homeowners-coverage complaints with the Texas Department of Insurance since January 1, 2025, according to TDI's own public complaint-level dataset on the Texas Open Data Portal (queried for this guide). TDI's investigation classified about 27.5% (2,061) of those as 'Confirmed' and the remaining 72.5% (5,430) as 'Not Confirmed.' The large majority, 5,712 complaints, were filed directly by the homeowner rather than through an attorney, agent, or adjuster first.
Direct Answer
Texas homeowners filed 7,491 homeowners-coverage complaints with the Texas Department of Insurance since January 1, 2025, according to TDI's own public complaint-level dataset on the Texas Open Data Portal (queried for this guide). TDI's investigation classified about 27.5% (2,061) of those as 'Confirmed' and the remaining 72.5% (5,430) as 'Not Confirmed.' The large majority, 5,712 complaints, were filed directly by the homeowner rather than through an attorney, agent, or adjuster first.
The real numbers behind Texas homeowners insurance complaints
This is real, current data pulled directly from TDI's own public complaint dataset, not a summary of anecdotes - filtered to homeowners coverage complaints received since January 1, 2025 as of this guide's most recent data pull.
- Total homeowners insurance complaints filed with TDI since January 1, 2025: 7,491, per TDI's own complaint-level dataset on the Texas Open Data Portal.
- Of those, 2,061 complaints (about 27.5%) were classified 'Confirmed' by TDI's investigation - meaning TDI's review found the complaint had merit. The remaining 5,430 (about 72.5%) were classified 'Not Confirmed.'
- 'Not Confirmed' is TDI's specific finding-type classification, not an automatic statement that the homeowner's underlying concern was wrong - it can also reflect insufficient evidence, a matter resolved before review, or an issue outside TDI's regulatory authority to confirm.
- 5,712 of the 7,491 complaints (about 76%) were filed directly by the insured homeowner - far more than any other category, including attorneys (35 complaints), agents (32), or other third parties.
- This is aggregate statewide data on homeowners-coverage complaints, not a company-by-company performance ranking - TDI's dataset can be filtered further by company for anyone who wants that level of detail.
- Filing a complaint with TDI is free and does not require hiring an attorney or public adjuster first - the data itself shows most homeowners file it themselves.
What this data means if you're considering filing a TDI complaint
- Filing a TDI complaint is a real, free option available to any Texas policyholder who believes their insurer mishandled a claim - and the data shows most complaints are filed directly by the homeowner, not through an attorney or adjuster first.
- A 'Not Confirmed' finding on someone else's complaint doesn't predict the outcome of yours - TDI evaluates each complaint on its own facts and evidence.
- If you plan to file a complaint, gather documentation (correspondence, photos, estimates) the same way you would for the underlying claim - TDI's review is only as strong as the evidence provided.
- You can file a complaint directly with TDI at tdi.texas.gov regardless of whether you're also pursuing the claim through your insurer, a public adjuster, or an attorney.
Sources
The data above is cited directly from these publishers - follow the links to read the original reporting.
Frequently Asked Questions
How many homeowners insurance complaints does TDI receive in Texas?
TDI's own public complaint-level dataset shows 7,491 homeowners-coverage complaints filed since January 1, 2025, as of this guide's most recent data pull - a real, current figure from the Texas Open Data Portal, not an estimate.
What percentage of TDI insurance complaints get 'confirmed'?
About 27.5% (2,061 of 7,491) of homeowners insurance complaints in this data were classified 'Confirmed' by TDI's investigation. 'Not Confirmed' is the more common outcome, though it doesn't automatically mean the homeowner's underlying concern was wrong - it reflects TDI's specific finding-type classification.
Who typically files these complaints - homeowners or their attorneys or adjusters?
The homeowner files the vast majority directly - 5,712 of 7,491 complaints in this data, versus just 35 filed by attorneys and 32 by agents. Filing a TDI complaint yourself doesn't require hiring anyone first.