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Notices and Updates

Commissioner’s Bulletin # B-0008-24 Re:   Hurricane Beryl – adjusters and repairs


"Claims adjusting and adjusters

TDI reminds insurers that they may use nonresident and emergency adjusters to handle disaster-related claims. (Insurance Code Sections 4101.002(b) and 4101.101).

Consumers have the right to contract with a licensed public insurance adjuster. (Insurance Code Section 4102.007). All public insurance adjusters must be licensed by TDI. The Insurance Code provides for both civil and criminal penalties for violating this license requirement. (Insurance Code Chapter 4102).

Texas law includes several provisions to prevent conflicts of interest in the adjusting process. (Insurance Code Chapters 4101 and 4102). These include:

Licensed adjusters may not adjust roofing losses for an insurer if the adjuster is a roofing contractor, provides or sells roofing services or products, or is a controlling person in a roofing-related business.
A roofing contractor may not act as an adjuster or advertise to adjust claims for any property that the contractor is providing or may provide roofing services to.
Contractors may provide estimates and discuss those estimates and other technical information with an insurer or its adjuster."

The above is from the bulletin here is a link to the complete bulletin: 

Commissioner’s Bulletin # B-0010-24 Re:   Hurricane Beryl – wind and flood losses



Wind losses

TDI expects insurers that deny coverage for wind losses to tell policyholders to check whether they have separate coverage from the Texas Windstorm Insurance Association (TWIA) or another windstorm insurer if the damage was in a coastal county.

Flood losses

TDI expects insurers responding to flood loss questions and claims to provide information to their policyholders about possible help from the Federal Emergency Management Agency (FEMA). This should include FEMA contact information and a link to


Complete Bulletin


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