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Texas claim resources.
A single starting point for Texas-specific guidance, primary sources, and the broader claim topics you may need next.
Reviewed guide updated April 18, 2025 · Fact-checked by Brelly Legal Team
The deep guide
The Texas Guide to Property Insurance Claims: Deadlines, Laws, and FAQs
Essential information for homeowners and other professionals about Texas property insurance statutes, deadlines, and other FAQs.
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Making the Claim -- Frequently Asked Questions
The first step in a property insurance claim is to notify the insurer about the loss. Not only is doing this the only way to get a claim moving, it’s one of the policyholder’s duties after a loss under the insurance policy.
Proving the Loss -- Frequently Asked Questions
After you’ve notified your insurance company and started the claim, you need to prove the losses to the insurance company. Proving that the property suffered losses and that those losses are covered under the insurance policy is at the heart of an insurance claim. As a result, it’s also the most difficult stage in the claims process and where policyholders most often make mistakes. Fortunately, Texas laws do provide you with basic protections at this stage under the Texas Prompt Payment of Claims Act . Read more to understand how.
Getting the Check -- Frequently Asked Questions
Getting the money you need to put the property back in order — it’s the reason a policyholder pays premiums. Below are answers to frequently asked questions about this crucial final steps in the insurance claim.
Primary sources
See where the guidance comes from.
The guide links sources beside the assertion they support. This directory provides a state-level route into the reviewed source set.
Reviewed source
Texas Ins. Code § 525.002 — Delivery of Insurance Policies
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Texas Ins. Code § 707.004 — Reasonable Proof of Payment [ Deductible Payment ]
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Texas Business & Commerce Code § 58.001 — Definitions [ Disaster Remediation Contracts ]
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Texas Ins. Code § 544.052 — Unfair Discrimination
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Texas Business & Commerce Code § 17.46 — Deceptive Trade Practices Unlawful
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Texas Ins. Code § 557.002 — Notification by Lender to Insured Concerning Insurance Proceeds
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Texas Ins. Code § 541.060 — Unfair Settlement Practices
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Texas Ins. Code § 4102.007 — Right to Contract with License Holder.
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Texas Ins. Code § 542A.003 — Notice Required [ Natural Disaster Claim Lawsuits ]
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