TCAIS has been privileged to work with the Texas Legislature on homeowners and automobile matters since 2002.  In the past 14 years, Texas has moved from a burdensome regulatory system and corresponding serious market crisis toward a healthier market-based insurance structure with more appropriate regulatory oversight.

Because of its terrible weather, exposure to catastrophes and other risk factors, Texas always will be a challenge to insure.  However, improvements can be made in Texas laws, including allowing insurers to use a complete set of risk management tools, better building standards and loss mitigation, consumer protections from unscrupulous service providers, driver safety, addressing coastal catastrophe risk and financing, and other matters that will improve efficiency and predictability for insurers and consumers.

During the 2017 Session, TCAIS is working with legislators on a number of important issues including:

Hails Claims Abuse
  • While Texas homeowners dread the sound of hailstones hammering their roofs, in recent years it’s become music
    to the ears of unscrupulous trial lawyers and others looking to make big bucks at the expense of Texans across
    the state and their insurance companies.
  • In just a few years, a spike in hail-related lawsuits has forced Texans to pay more for their homeowners insurance,
    meet higher deductibles and search harder for coverage as some insurance companies limit policy offerings or
    even retreat from some parts of the state altogether. A few trial lawyers and other third parties are getting rich,
    while hard-working Texans suffer not just from the hail, but its aftermath.
Distracted Driving/Risk Mitigation
  • The prevalence of cellular phones, new research, and publicized crashes has started many debates related to the role cell phones play in driver distraction.
  • TCAIS members companies are working to make our roads safer by educating Texas drivers about the dangers of distracted driving – including the use of cell phones and texting.
  • As part of this, TCAIS members are encouraging the Texas Legislature to join pass a statewide ban on texting while driving.
Building Codes
  • Texas trails most coastal states when it comes to instituting and enforcing building codes.
  • Though Texas has adopted a statewide building code, the law allows municipalities to adopt weaker standards than set out in the code.
  • Texas’ low score in a IBHS survey is result of the widespread lowering of standards in various areas allowed by current law, a lack of inspection and enforcement, & a lack of registration & licensing rules for various building trades.


85th Session
Building Codes
Distracted Driving
Tort Reform