INDEPENDENCE AMERICAN INSURANCE COMPANY — homeowners Complaints in Texas

Detailed analysis of 38 homeowners insurance complaints filed against INDEPENDENCE AMERICAN INSURANCE COMPANY by consumers in Texas, based on public NAIC and state DOI data.

Key Statistics

homeowners Complaints in Texas: 38
Total homeowners Complaints (All States): 38
Texas Share: 100.0%
NAIC Complaint Ratio: 12.94
AI Risk Score: 71/100

Analysis: INDEPENDENCE AMERICAN INSURANCE COMPANY homeowners in Texas

INDEPENDENCE AMERICAN INSURANCE COMPANY has accumulated 38 homeowners insurance complaints from consumers in Texas. Across all states, INDEPENDENCE AMERICAN INSURANCE COMPANY has 38 total homeowners complaints, making Texas responsible for 100.0% of the volume.

The most frequent complaint sub-type is Claim denial with 30 complaints. Other common issues include Delayed payment (4), Premium or billing dispute (2), Other | Claim Settled; Information Furnished (1).

The most active year was 2026 with 5 complaints filed.

Consumers in Texas who have homeowners disputes with INDEPENDENCE AMERICAN INSURANCE COMPANY can file a complaint with the Texas Department of Insurance.

homeowners Complaint Issues in Texas

Issue Type	Complaints	%
Claim denial	30	78.9%
Delayed payment	4	10.5%
Premium or billing dispute	2	5.3%
Other \| Claim Settled; Information Furnished	1	2.6%
Unsatisfactory Settle/Offer \| Question of Fact; Contract Language/Legal Issue	1	2.6%

Complaints by Year

2026: 5 complaints
2025: 18 complaints
2024: 9 complaints
2021: 2 complaints
2020: 1 complaints
2017: 1 complaints
2016: 1 complaints
2015: 1 complaints

Recent homeowners Complaints Against INDEPENDENCE AMERICAN INSURANCE COMPANY in Texas

homeowners Complaint #TX-455039-b62dbd2e (2026-04-29) — Claim denial
homeowners Complaint #TX-453290-b62dbd2e (2026-04-13) — Claim denial
homeowners Complaint #TX-452716-e67e2c05 (2026-04-07) — Claim denial
homeowners Complaint #TX-448451-27d858a3 (2026-02-24) — Claim denial
homeowners Complaint #TX-444654-065880a9 (2026-01-13) — Other | Claim Settled; Information Furnished
homeowners Complaint #TX-440741-59ae2280 (2025-11-25) — Delayed payment
homeowners Complaint #TX-439263-c611af54 (2025-11-07) — Claim denial
homeowners Complaint #TX-439260-c611af54 (2025-11-07) — Claim denial
homeowners Complaint #TX-435449-79ceab15 (2025-09-24) — Premium or billing dispute
homeowners Complaint #TX-434662-e7f565fa (2025-09-16) — Delayed payment

Frequently Asked Questions

How many homeowners complaints does INDEPENDENCE AMERICAN INSURANCE COMPANY have in Texas?

INDEPENDENCE AMERICAN INSURANCE COMPANY has 38 homeowners insurance complaints on file from consumers in Texas, according to NAIC and state DOI data.

What are the most common homeowners complaint issues with INDEPENDENCE AMERICAN INSURANCE COMPANY in Texas?

The most common issues are: Claim denial (30), Delayed payment (4), Premium or billing dispute (2), Other | Claim Settled; Information Furnished (1), Unsatisfactory Settle/Offer | Question of Fact; Contract Language/Legal Issue (1).

How does INDEPENDENCE AMERICAN INSURANCE COMPANY's homeowners record in Texas compare to other states?

INDEPENDENCE AMERICAN INSURANCE COMPANY has 38 homeowners complaints in Texas out of 38 total homeowners complaints nationwide. That is 100.0% of their homeowners volume.

Where can I file a homeowners complaint against INDEPENDENCE AMERICAN INSURANCE COMPANY in Texas?

You can file a complaint with the Texas Department of Insurance. The NAIC Consumer Information Source at https://content.naic.org/cis_consumer.htm also accepts complaints.