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Enforce Interest

Texas Prompt Payment ActChapter 542 deadlines, section by section The 18% standard rate§542.060(a) interest on non-weather claims Act of God floating rate§542.060(c) — currently 12.00%Judgment interest rateOCCC §304.003 rate history Prejudgment interestHow Texas courts add it, with calculator Every claim deadlineCh. 542, 542A, TWIA and limitations FAQStraight answers to common questions

Hail & wind claimsRoof and storm losses under Ch. 542A Hurricane claimsGulf Coast, TWIA and named-storm deductibles Fire & smoke damageFull 18% rate, smoke scope disputes Water & plumbing damageSudden discharge, mold and freeze Post-appraisal interestHinojos: the award doesn’t end it Claim supplementsLate supplement payments and interest Does my claim qualify?Two-minute eligibility check

Statutory interest calculator§542.060 interest on late payments, partial payments and supplements, at 18% or the floating rate.Claim deadline calculatorEvery Chapter 542 deadline from your notice date, with business days and Texas holidays.Appraisal interest calculatorHinojos-style interest on the gap between what was paid and the appraisal award.Does my claim qualify?A two-minute check of whether your claim timeline is worth a closer look.Judgment interest rate trackerEvery OCCC §304.003 rate since 2005 and the matching §542.060(c) rate (12.00% now).Prejudgment interest calculatorTexas Finance Code ch. 304 accrual dates and interest for property damage claims.542A notice & fee calculator61-day pre-suit notice dates, the insurer’s inspection window and the attorney-fee ratio.Claim timeline builderLog every claim event, see which deadlines passed and print a status-request letter.Public adjuster fee calculatorWhat a Texas public adjuster can charge (10% cap) and what you net.ACV & depreciation calculatorReplacement cost, actual cash value and recoverable depreciation, line by line.Wind & hail deductible calculatorPercentage deductibles in dollars, and what a storm claim actually pays.

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Texas law

Texas Prompt Payment Act The 18% standard rate Act of God floating rate Judgment interest rate Prejudgment interest Every claim deadline FAQ

Claims

Hail & wind claims Hurricane claims Fire & smoke damage Water & plumbing damage Post-appraisal interest Claim supplements Does my claim qualify?

Tools

Statutory interest calculator Claim deadline calculator Appraisal interest calculator Does my claim qualify?Judgment interest rate tracker Prejudgment interest calculator 542A notice & fee calculator Claim timeline builder Public adjuster fee calculator ACV & depreciation calculator Wind & hail deductible calculator Blog About Contact Free claim review

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Free Texas insurance claim tools

Guides & claim types

The Texas Prompt Payment Act, explained
Hail & wind claims paid late
Hurricane claims in Texas
Fire & smoke damage claims
Water & plumbing damage claims
The carrier paid the appraisal. The interest is a separate question.
The repair started. Then they found more damage.

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Does my claim qualify?
Texas statutory interest calculator
Texas insurance claim deadline calculator
Appraisal interest calculator
542A notice and attorney fee calculator
Claim timeline builder
Texas public adjuster fee calculator
ACV and depreciation calculator
Wind and hail deductible calculator
Texas judgment interest rate: 7.00%
Texas prejudgment interest: rules & calculator

Blog

The 18% standard rate, explained
The Act of God floating rate, explained
Hinojos v. State Farm Lloyds, explained
Texas insurance claim deadlines: every clock in one place
How long do I have to file a freeze claim in Texas?
Smoke damage claims in Texas: investigations, scope and payment
The Texas 542A pre-suit notice, explained
How long must a Texas policy be in force before it can't be canceled?

Enforce Interest

A Rise Public Adjusting service. Texas-licensed public adjusting focused on prompt-payment statutory interest under Texas Insurance Code Chapter 542, for homeowners and commercial policyholders statewide.

info@enforceinterest.com
Austin, Texas · Serving all of Texas

The rule

Texas Prompt Payment Act
18% standard rate
Act of God floating rate
Judgment interest rate
Prejudgment interest
Does my claim qualify?

Claim types

Hail & wind claims
Hurricane claims
Fire & smoke damage
Water & plumbing damage
Post-appraisal interest
Claim supplements

Free tools

Statutory interest calculator
Claim deadline calculator
Appraisal interest calculator
Does my claim qualify?
Judgment interest rate tracker
Prejudgment interest calculator
542A notice & fee calculator
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Tex. Ins. Code ch. 542
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Enforce Interest is a service of Rise Public Adjusting, a public adjusting firm licensed by the Texas Department of Insurance (license #3356839). We are not a law firm and do not provide legal advice; nothing on this site creates an attorney–client relationship. Information here is general and educational: outcomes depend on the facts of each claim, the policy language and the carrier’s conduct, and past results do not guarantee future recoveries. Under Tex. Ins. Code §4102.158, a public adjuster may not solicit employment for an attorney; we do not refer claims to attorneys for a fee. Public adjuster compensation in Texas is capped at 10% of the insurance settlement on the claim (§4102.104). Service area: Texas only.

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