Can my Texas insurer drop me for filing claims?
Updated September 28, 2026· Sources verified September 26, 2026· Educational information, not legal advice
Short answer
Texas allows an insurer to refuse to renew because of claims only if you filed three or more qualifying claims in a three-year period — and claims from natural causes such as hail or wind don't count. After your second claim, the insurer must send a warning letter; without it, claims can't be the reason.
Have your notice? Check it freeTexas rule · Claims-based non-renewal
Texas's published rule allows non-renewal after three or more claims in a three-year period, but losses from natural causes, claims that were not paid, and certain appliance-related claims do not count. After two claims, the insurer must send a specific warning notice; without it, the insurer may not refuse to renew because of claims.
Tex. Ins. Code ch. 551TDI – Homeowners insurance guideTDI Bulletin B-0006-26
Texas rule · Questions to your insurer
Texas's published rule says an insurer may not use a customer inquiry — a question about coverage that did not lead to a claim or investigation — as a reason for non-renewal or cancellation.
What to check
Which claims were counted
Ask for dates and causes of loss. Hail, wind and other natural-cause claims don't count.Whether each claim was paid
Claims filed but not paid, or not payable, don't count.Whether you received the warning letter after your second claim
Look for it in your mail and online account.Whether a question about coverage was treated as a claim
An inquiry that didn't lead to a claim or investigation can't be the reason.
Want to know what applies to your notice?
Upload the letter and we'll check its dates and reason against Texas's published rules — free.
If the count looks wrong, ask the insurer in writing to correct it, and contact TDI if it won't. How to file with TDI.
Official sources
Rules can change. Check the official source before relying on it.
Want to know what applies to your specific notice?
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MyNonRenewal provides educational information and document summaries. It does not provide legal advice, insurance advice, representation, or recommendations regarding specific insurance products.