The Enforce Interest blog
Plain-English guides to Texas prompt-payment law, claim deadlines, appraisal and the interest insurers owe when they pay late.
How long must a Texas policy be in force before it can’t be canceled?
In Texas, how long must a homeowners policy be in force? The 60-day cancellation rule in Insurance Code §551.104, allowed reasons to cancel, notice periods, nonrenewal and the three-claims rule.
Smoke damage claims in Texas: investigations, scope and payment
How smoke damage insurance claims work in Texas: what a smoke damage investigation is, why scope gets disputed, wildfire smoke, contents and HVAC, and the deadlines and interest when payment is late.
How long do I have to file a freeze claim in Texas?
Texas freeze and burst-pipe claims: how long you have to report the claim and to sue, freeze exclusions, catastrophe extensions, which interest rate applies and how to document the loss.
Texas insurance claim deadlines: every clock in one place
Every Texas insurance claim deadline: reporting the claim, Chapter 542's 15-day, 15-business-day, 5-day and 60-day rules, catastrophes, TWIA, the 61-day 542A notice and limitations to sue.
Hinojos v. State Farm Lloyds, explained
What the Texas Supreme Court decided in Hinojos v. State Farm Lloyds, 619 S.W.3d 651 (2021), how it builds on Barbara Technologies, and what it means for appraisal and partial payments.
The Texas 542A pre-suit notice, explained
What Texas Insurance Code Chapter 542A requires before a weather-claim lawsuit: the 61-day notice, what it must say, the inspection window, abatement and the attorney-fee formula.
The 18% standard rate, explained
How the 18% prompt-payment interest rate in Texas Insurance Code §542.060(a) works: when it applies, when it starts, how to calculate it, partial payments, supplements and attorney's fees.
The Act of God floating rate, explained
The Texas 'Act of God' floating interest rate on weather insurance claims: §542.060(c), how it's set (7.00% + 5% = 12.00%), which claims it covers, the 2017 cutoff and how it compares with 18%.
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