10/05/2026
🏠 Texas homeowners: three insurance developments worth knowing!
✅ Roof age and roof condition are different. TDI’s September 29 announcement reinforces its position that age alone cannot justify declining or nonrenewing home insurance. The clarifying amendment remains proposed; carriers can still consider physical condition.
✅ Updated auto and home consumer notices are required beginning January 1, 2027. They explain rights involving written underwriting decisions, appraisal, credit-based rerating, and protections after a spouse’s death.
✅ Texas lawmakers are reviewing insurance costs, coverage availability, and consumer protections at an October 5 hearing.
What should you do? Keep roof maintenance records, read renewal notices carefully, and ask whether improved credit warrants a rating review. Eligibility and roof claim settlement are separate issues—check your coverage, too.
Integrity Advisors Agency can help you understand your options.
Message us or visit www.iaainsurance.net.