Texas insurance laws effective January 1, 2026, now require insurers to provide written explanations for policy denials, cancellations, or nonrenewals automatically. Insurers must report denial reasons by ZIP code publicly, increasing transparency. Policies must include an appraisal process to dispute claim values. Insurers must update credit reports every three years and adjust premiums accordingly, preventing outdated credit from unfairly raising rates. These reforms enhance consumer rights without capping rates.
