Texas / Nonrenewal Help
What to do if your Texas home insurance is not renewed.
A calm, practical checklist for homeowners facing a dropped policy, conditional renewal, repair requirement, coverage restriction, or limited quote availability.
First 24 hours
- Save the notice and write down the policy expiration date.
- Ask the insurer or agent for the exact reason in writing.
- Confirm whether a repair, inspection, mitigation step, or document can change the decision.
- Do not cancel the old policy until replacement coverage is bound and effective dates line up.
Texas issues to watch
In Texas, pay close attention to wind, hail, named-storm, roof, and discount changes. These can affect eligibility, premiums, deductibles, roof settlement, exclusions, or quote availability.
Use the Dropped Policy Help Center for an interactive checklist.
If your Texas policy is not renewed
Frequent hail claims and roof condition are common Texas nonrenewal triggers. Ask the insurer for the exact reason and whether a roof inspection, repair, or documentation could change the decision before the term ends.
Shop replacement coverage by matching limits and deductibles, not just price. A cheaper policy that excludes cosmetic roof damage or uses an ACV roof schedule may not actually replace what you had.
TWIA and coastal windstorm coverage
In the 14 coastal “Tier 1” counties (and parts of Harris County), standard policies may exclude wind and hail. The Texas Windstorm Insurance Association (TWIA) is the wind/hail insurer of last resort for those areas.
TWIA generally requires that new construction and certain repairs be certified for windstorm compliance (a WPI-8 certificate). If you are on the coast, confirm whether your wind coverage comes from your main policy or a separate TWIA policy.
Texas official resources
The Texas Department of Insurance offers a consumer help line and the HelpInsure.com comparison site, plus complaint handling. Texas Department of Insurance homeowners guide.
Questions to ask before you shop
- Is this a nonrenewal, conditional renewal, repair requirement, or coverage restriction?
- Which deductible changed: all-perils, wind, hail, hurricane, wildfire, or another separate deductible?
- Did roof settlement change to actual cash value or an age-based schedule?
- Did the dwelling limit, water backup, ordinance or law, loss-of-use, or exclusion language change?
- Can a licensed agent quote equivalent coverage, not just a lower price?
Official Texas help
Use official consumer resources when the notice is unclear, deadlines are short, or you need complaint information.
Share the signal anonymously
If you are comfortable contributing, RateReceipt can count your nonrenewal or restriction without asking for your address, ZIP code, insurer name, policy number, or documents.
Report a nonrenewal or coverage issue or open the Texas tracker.
Common questions
Why is hail such a big deal for Texas insurance?
Hail is the most frequent and costly homeowner claim type in much of Texas, so insurers price wind/hail deductibles and roof settlement terms carefully, and repeated hail claims can lead to nonrenewal.
What is a named-storm deductible?
On the Texas coast, damage from a named tropical storm or hurricane can carry a separate percentage deductible that is higher than your normal deductible. Check your declarations page for the percentage.
What is TWIA?
The Texas Windstorm Insurance Association provides wind and hail coverage of last resort in designated coastal counties where standard policies may exclude it.