Texas Acts on Property Insurance Costs | #Amaliatuagentedesegurosentexas

State leaders said rising homeowners' insurance costs prompted action, and the state regulator outlined steps meant to protect consumers and improve property coverage affordability.
Insurers were directed to reflect fortified roof status in rate setting, so premiums better match lower risk for those homes in Texas.
A planned rule would clarify insurers cannot use property age, or a roof component's age, to refuse new policies or residential renewals.
Texas also moved to enforce its existing ban on price optimization, create a fraud task force, and review AI use in claims and underwriting.
By year-end 2026, the regulator planned a web study on claim-cost drivers, while state leaders prepared additional consumer-protection proposals for the next session.