FAQ

The Texas 60-day rule comes from the Prompt Payment of Claims Act, requiring insurers to pay within 60 days after receiving necessary documentation—or owe statutory interest.

Most claims accrue 18% per year (simple interest). Weather-related claims may use a floating rate under Chapter 542A, typically lower but still significant.

The clock begins when the insurer has all reasonably necessary documentation—not when they decide they’re ready. Delays in requesting documents don’t always stop the clock.

Not every claim—but most first-party property claims (hail, fire, water, wind, etc.) qualify if the insurer missed a statutory deadline and still owed money.

If the insurer paid less than what was actually owed—and later corrected it—interest applies to the underpaid portion from the original deadline until full payment.

Yes. Even after appraisal, interest may still be owed on amounts that were paid late.

Appraisal is a dispute resolution process where both sides appoint appraisers and an umpire to determine the value of the loss. It doesn’t eliminate the insurer’s obligation to pay interest.

Payment of the appraisal award does not erase interest owed for earlier delays. Interest continues accruing until the full amount is paid.

Supplements are additional payments requested after new damage is discovered or costs increase during repairs—common in roofing, structural work, or code upgrades.

Yes. Each supplement triggers its own separate 60-day clock and its own interest calculation if delayed.

In many cases, yes—especially if the damage relates to the original loss. However, timing depends on policy limits and legal deadlines.

Each payment—original claim, supplement, or appraisal—has its own timeline. Interest is calculated independently for each delay period, then added together.

Repeated or unnecessary document requests don’t automatically pause the clock. The key question is whether they already had what they reasonably needed.

Common qualifying claims include:

– Hail and wind damage
– Fire and smoke damage
– Water and plumbing leaks
– Hurricane and storm losses

All fall under Texas prompt payment rules.

For weather-related claims, the interest rate is tied to a fluctuating benchmark plus a margin, typically between 10% and 20% annually.

Not always. Many claims can be handled through documentation and negotiation. Legal action is only necessary if the insurer refuses to pay.

Initial evaluations are typically free. If a case is taken, fees are usually contingent—meaning payment comes from what’s recovered, not upfront.

Yes. Most claims are subject to contractual and legal deadlines, often around two years from the date of loss. Waiting too long can reduce or eliminate recovery rights.

Insurers sometimes reframe supplements to delay payment. If the damage ties back to the original event, it is typically treated as a supplement—not a new claim.

The easiest way is to use a statutory interest calculator that factors in:

– Payment deadlines
– Actual payment dates
– Amounts owed vs. paid

The Enforce Interest calculator is designed specifically for this purpose.