You must file a complete set of underwriting guidelines with us every three years on or before March 1. If you have not yet filed a complete set, please do so.
Who must file underwriting guidelines?
Insurers writing personal automobile, homeowners, or workers’ compensation insurance must file a complete set of their underwriting guidelines.
When must I file?
You must file the complete set of underwriting guidelines with us every three years on or before March 1 (Texas Administrative Code Section 5.9342).
What if my group files guidelines for several companies together?
The filing must identify which underwriting guidelines apply to each company.
How do I file underwriting guidelines?
File using one of the following methods:
- System for Electronic Rate and Form Filings (SERFF)
If you have questions about SERFF, contact the SERFF Help Desk at 1-816-783-8990 or email@example.com.
- Email: PCFilingsIntake@tdi.texas.gov
Texas Department of Insurance
Property and Casualty Intake Unit, Mail Code PC-INT
P.O. Box 12030
Austin, TX 78711-2030
Which statutes and rules require insurers to file underwriting guidelines?
- Texas Insurance Code Sections 38.002 and 38.003, and Chapter 2053.
- Texas Administrative Code, Title 28, Part 1, Chapter 5, Subchapter M, Division 7.
Are the guidelines kept confidential?
Personal automobile and residential property: Texas Insurance Code Section 38.002 does not make your guidelines confidential. They are subject to open records requests. If you mark your guidelines confidential, and we receive an open records request, we will ask the Texas Office of the Attorney General for a ruling. See Commissioner’s bulletin B-0021-15.
Contact the Property and Casualty Lines Office at 512-676-6710 or PropertyCasualty@tdi.texas.gov.