Insurance Industry
News & Articles

Why Industry News Matters to a Policyholder

Property insurance is a moving target. Texas and Florida have both passed major reforms over the last several years that change how claims are handled, how deadlines run, what penalties apply when carriers miss them, and what consumer protections are available. The 2022 Florida special-session reforms (codified in Fla. Stat. §627.70131 and surrounding sections) compressed insurer-response deadlines and rewrote the bad-faith framework. Texas has tightened §542 prompt-pay enforcement and expanded §541 unfair-claim-settlement-practice protections. Court decisions on appraisal, matching, and ordinance-or-law coverage continue to shape the practical scope of every policy.

We curate stories on this page that change something practical for policyholders: a new statute or rule, a published appellate decision, a TDI or OIR market-conduct finding, a recurring carrier-claim-handling issue, or a consumer-protection alert worth reading. Every item links to the original source — a state agency bulletin, a court opinion, a peer-reviewed industry publication, or named-attribution journalism — so you can verify and read the underlying material yourself.

Nothing on this page is legal advice. We are licensed public adjusters (Texas Firm #3134924 / Florida Firm #W820363; individual adjusters Joshua Osteen TX #2237777 / FL #W045717), not attorneys. For legal questions about your specific claim, consult a licensed attorney in the state where your loss occurred.