Texas Orders Action on Homeowners Insurance Costs

Texas ordered its insurance department to take immediate consumer-first statewide steps after avg. homeowners premiums climbed ~80% over the past 6 yr recently.
Insurers would have to reflect severe-weather-resistant roofs in rates, while companies could no longer deny or refuse renewals because a home or roof is older.
Texas also moved to outlaw price optimization, blocking insurers from using non-risk personal data to charge higher premiums based on what a homeowner might pay.
State regulators will launch a fraud task force and study how excessive, inflated, or unnecessary claims affect homeowners, personal auto, and commercial auto insurance costs.
The department must deliver recommendations by September 14, 2026, as administrative changes set up broader legislative efforts to strengthen homeowner protections and manage premium growth.