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System for Electronic Rate and Form Filings

General Instructions for Electronic Filings in Texas


General Information

Status in Domicile:
Not Applicable

Multiple Companies Allowed on Filings?:
PC: Yes LAH: No

Effective Date Rules:
Policy forms and endorsements are available for use upon approval by the Texas Department of Insurance.

Change of Effective Date Requests:
Policy forms and endorsements are available for use upon approval by the Texas Department of Insurance. Retroactive requests are not allowed.

Additional Information Links:
The Property and Casualty Filings Made Easy Guide is an aid to making property and casualty filings in Texas. The entire guide may be obtained by viewing the on-line version, downloading the MS Word file, or completing the interactive PDF forms. NOTE: Please read the “Filling Out Forms” instructions carefully before completing the interactive PDF forms. Refer to Filings Made Easy Guide.

Texas Administrative Code

Texas Insurance Code

P&C Filing Review Requirement Checklists

Form filings are approved or disapproved by the Senior Associate Commissioner of the Property & Casualty Program. Refer to Approved/Disapproved P & C Filings.

Available Filing Modes:

  • File & Use
    Rates & Manual Rules
    Mortgage Guaranty - Policy forms and endorsements
  • Prior Approval
    Policy forms and endorsements - Prior Approval, except Mortgage Guaranty and Mortgage Guaranty Pool
  • Use & File
    Mortgage Guaranty Pool - Policy forms and endorsements


Fee Information:
Is there a fee? No

Public Access

  • Public Access Detail:
  • Filings become public: Upon Disposition
    Filings can be viewed upon receipt of an open records request.
  • Confidentiality requests are: Not Allowed
    Texas does not allow public viewing of filings via SERFF whether or not the company requests the filing to remain confidential. A request for public viewing or a copy of form, rate or rule filings must be made to the Texas Department of Insurance (TDI), through an Open Records Request. Please view information from TDI's website regarding Open Records and Confidential Information.



These general instructions and the line of business instructions do not supersede the requirements of Texas laws and regulations governing the business of insurance. They are provided to assist insurers in submitting SERFF filings. Insurers are required to be aware of and comply with all Texas laws, regulations, department bulletins, and department opinions. The directions and requirements contained in the General Instructions are considered a continuous work in progress and should be reviewed for changes or updates each time an insurer makes a filing.

  • When original filing has been submitted through SERFF and company has withdrawn with the intent to resubmit within 6 months, please contact the review specialist in order to reopen the filing before resubmitting through SERFF. Otherwise, a new filing will be required to be submitted.
  • Please do not submit a withdrawal of a previously approved/accepted filing as a new filing via SERFF. If the filing was originally submitted via paper, then the withdrawal letter should be submitted by mail and/or e-mail (to the specialist originally assigned to the filing). However, if the original filing was submitted via SERFF, then please contact the specialist who was originally assigned to the filing and the withdrawal will be handled appropriately. A Note to Reviewer withdrawing the filing should be sent, once the filing has been reopened.
  • IMPORTANT NOTE: PLEASE COMPLETE ALL FIELDS IN THE FILING WIZARD. We need all required filing information to be included in the Filing Wizard and on the General Information tab, since we no longer require a separate transmittal document.
  • Rate, Form, Endorsement and Manual Rule filings can be submitted via SERFF or paper. Underwriting Guidelines and Advertising filings should be submitted via paper.
  • Form filings must include all applicable statutory requirements. Such requirements may be included in the actual policy forms or may be added by Texas amendatory endorsement.


  • RECEIVED DATES: Filings received Monday through Friday, between 8:00 am and 5:00 p.m. Central Standard Time, will be considered received on that day. Filings received after 5:00 p.m. Central Standard Time will be considered received on the next regular business day.


  • Attachments may be submitted only in PDF format (Adobe version 4.0 or higher) or as Excel spreadsheets.
  • A cover letter is acceptable, although not required if the filing information is placed in the Filing Description section of Filing at a Glance.


  • The information requested on the Texas P&C Transmittal Document or the NAIC Property & Casualty Transmittal, in conjunction with the Texas Addendum to the Transmittal, (as required by the Filings Made Easy Rule) has been built into SERFF and must appear in either the State Specific Fields or in Filings at a Glance; therefore, Transmittal Documents are no longer required on SERFF filings. (Be sure to complete all Rate Data Fields on the Rate/Rule Schedule tab when making rate filings.)


  • Texas does not require separate filings for each Filing Type (policy form/endorsement, manual rule, and/or rate). All applicable Filing Types may be included in one filing.


  • When submitting a combination filing (i.e. policy forms/endorsements, manual rules, and/or rates), please do one of the following:
    • Choose either policy form or endorsement as the main Filing Type, depending on what is being submitted. Then in the State-Specific Fields tab, show all applicable filing types being filed (policy form/endorsement, manual rule, and/or rate).
    • However, if both policy forms and endorsements are being submitted, then choose Policy Form as the main Filing Type. Then in the State-Specific Fields tab, show all applicable filing types being filed (policy form/endorsement, manual rule, and/or rate.


  • Attach forms to the Form Filing Schedule tab and attach rate/rule pages to the Rate/Rule Filing Schedule tab. If forms, rates/rules are revised prior to approval, attach revised versions to the appropriate Schedule. In addition, supporting documentation should be attached to the Supporting Documentation tab.

All items must be completed by filing company or filing may be rejected.

  1. Description of Filing (Filing Type(s):
    In State Specific Field item 1, list all Filing Types that apply: Policy Form, Endorsement, Manual Rule, Rate, and/or Reference Filing. (For Reference Filing, see item 4.)
  2. Deemer Waived: In State Specific Field item 2, indicate whether or not you will waive deemer period by entering Yes or No.
  3. Revision/Replacement: In State Specific Field item 3, indicate whether the filing revises/replaces previously approved forms/endorsements or rates/rules. If so, enter TDI File Numbers and/or TDI Link Numbers of previously approved policy/endorsement or rates/rules that are being revised/replaced, otherwise N/A.
  4. Reference Filing: In State Specific Field item 4, list all Filing Types that apply (Policy Forms/Endorsements, Manual Rules, Rates) and enter the following data for each: Name of Company or Advisory Organization and all approved/accepted TDI File Numbers and/or TDI Link Numbers that are being referenced. TDI does not require the advisory organization designation number(s) or circular number(s), otherwise N/A.
    Refer to TDI’s Approved/Accepted Advisory Organization Reference.
  5. Interline Filing: Indicate in the State Specific Field item 5 if filing is being submitted as an Interline Filing and list all lines of insurance the endorsement applies to, otherwise N/A. Please do not show the program name, annual statement line, or product coding matrix.

    Note: Endorsements that have any rate impact or possible rate impact may not be filed as an interline endorsement and must be filed separately for each line of insurance. Refer to Filings Made Easy, page FORMS-1.

    In addition, if the interline filing includes Personal Automobile or Residential Property, the filing must include the Flesch Score.
    Refer to Filings Made Easy, Forms-11

    Also note: Insurers may submit, as an interline filing, a rate filing that may be used with more than one line of insurance that contains only information concerning policy fees, service fees, and other fees that are charged or collected by the insurer under Insurance Code §§4005.001 - 4005.003 or §550.001.
    Refer to RATES-2
  6. Dual Filing: Indicate in State Specific Field item 6 if filing will be used with both monoline and multiperil programs, otherwise N/A. Filing company must provide TDI File Numbers and/or TDI Link Numbers where both the applicable monoline and multiperil programs were approved. Dual Filing is only marked when you are filing as monoline and multi-peril. Please do not mark this area when submitting a multi-peril filing.
    Refer to Filings Made Easy, page FORMS-1
  7. In State Specific Field item 7, indicate whether or not TDI may release your e-mail address in response to a public information request by entering either Agree or Do Not Agree.
  8. In State Specific Field item 8, if a similar filing has previously been made for your company/group, provide company name and TDI File Numbers and/or TDI Link Numbers.
  9. Contact Information: Please contact Sharalyn Taylor-Hargrove to answer questions regarding the information on this page at 512.322.3575, or e-mail her at: sharalyn.taylor@tdi.texas.gov

For more information contact:

Last updated: 01/28/2013

Contact Information and Other Helpful Links

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