Root Insurance Company — homeowners Complaints in Texas

Detailed analysis of 192 homeowners insurance complaints filed against Root Insurance Company by consumers in Texas, based on public NAIC and state DOI data.

Key Statistics

homeowners Complaints in Texas: 192
Total homeowners Complaints (All States): 192
Texas Share: 100.0%
NAIC Complaint Ratio: 3.01
AI Risk Score: 79/100

Analysis: Root Insurance Company homeowners in Texas

Root Insurance Company has accumulated 192 homeowners insurance complaints from consumers in Texas. Across all states, Root Insurance Company has 192 total homeowners complaints, making Texas responsible for 100.0% of the volume.

The most frequent complaint sub-type is Delayed payment with 83 complaints. Other common issues include Claim denial (45), Premium or billing dispute (17), Other | Question of Fact; Information Furnished (2).

The most active year was 2026 with 2 complaints filed.

Consumers in Texas who have homeowners disputes with Root Insurance Company can file a complaint with the Texas Department of Insurance.

homeowners Complaint Issues in Texas

Issue Type	Complaints	%
Delayed payment	83	43.2%
Claim denial	45	23.4%
Premium or billing dispute	17	8.9%
Other \| Question of Fact; Information Furnished	2	1.0%
Unsatisfactory Settle/Offer \| Additional Payment Expected; Question of Fact	2	1.0%
Unsatisfactory Settle/Offer \| Information Furnished	2	1.0%
Unsatisfactory Settle/Offer \| Question of Fact	2	1.0%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Claim Settled	2	1.0%
Liability Dispute \| Question of Fact; Company Position Upheld; Contract Language/Legal Issue	1	0.5%
Unsatisfactory Settle/Offer \| Additional Monies Received; Claim Settled	1	0.5%
Unsatisfactory Settle/Offer \| Company Position Upheld; Question of Fact; Claim Settled	1	0.5%
Cust Service Claim Handling \| Information Furnished; Claim Settled	1	0.5%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Additional Monies Received; Complaint Withdrawn	1	0.5%
Ambulatory Patient Services; Unsatisfactory Settle/Offer \| Information Furnished; Question of Fact	1	0.5%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Complaint Withdrawn	1	0.5%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Claim Settled; Additional Monies Received	1	0.5%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Question of Fact; Contract Language/Legal Issue; Additional P	1	0.5%
Post-Claim Underwriting \| Question of Fact; Contract Language/Legal Issue	1	0.5%
Unsatisfactory Settle/Offer \| Claim Settled; Question of Fact; Contract Language/Legal Issue	1	0.5%
Liability Dispute; Unsatisfactory Settle/Offer \| Additional Monies Received; Question of Fact; Company Position Upheld	1	0.5%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Information Furnished; Question of Fact; Company Position Uph	1	0.5%
Unsatisfactory Settle/Offer \| Company Position Upheld; Contract Language/Legal Issue; Question of Fact	1	0.5%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Question of Fact	1	0.5%
Unsatisfactory Settle/Offer \| Information Furnished; Additional Monies Received	1	0.5%
Unsatisfactory Settle/Offer \| Information Furnished; Claim Settled	1	0.5%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Claim Settled; Corrective Action Taken	1	0.5%
Cust Service Claim Handling; Liability Dispute; Unsatisfactory Settle/Offer \| Question of Fact	1	0.5%
Liability Dispute \| Question of Fact	1	0.5%
Unsatisfactory Settle/Offer \| Appraisal Process Invoked; Claim Settled; Additional Monies Received	1	0.5%
Unsatisfactory Settle/Offer \| Additional Monies Received; Question of Fact	1	0.5%
Liability Dispute; Unsatisfactory Settle/Offer \| Question of Fact; Company Position Upheld	1	0.5%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Additional Payment Expected; Contract Language/Legal Issue; Q	1	0.5%
Cust Service Claim Handling \| Question of Fact; Additional Monies Received	1	0.5%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Question of Fact; Additional Monies Received; Claim Settled	1	0.5%
Other \| Company Position Upheld; Information Furnished	1	0.5%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Additional Monies Received; Question of Fact	1	0.5%
Cust Service Claim Handling; Endorsement / Rider; Unsatisfactory Settle/Offer \| Contract Language/Legal Issue	1	0.5%
Unsatisfactory Settle/Offer \| Claim Settled; Question of Fact	1	0.5%
Assignment of Benefits; Cust Service Claim Handling \| Additional Payment Expected; Information Furnished; Additional Mon	1	0.5%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Question of Fact; Claim Settled; Information Furnished	1	0.5%
Assignment of Benefits \| Contract Language/Legal Issue	1	0.5%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Appraisal Process Invoked	1	0.5%
Cust Service Claim Handling \| Question of Fact	1	0.5%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Information Furnished; Question of Fact	1	0.5%
Assignment of Benefits \| Information Furnished	1	0.5%

Complaints by Year

2026: 2 complaints
2025: 8 complaints
2024: 8 complaints
2023: 12 complaints
2022: 32 complaints
2021: 42 complaints
2020: 42 complaints
2019: 33 complaints
2018: 13 complaints

Recent homeowners Complaints Against Root Insurance Company in Texas

homeowners Complaint #TX-449368-b28a838b (2026-03-05) — Delayed payment
homeowners Complaint #TX-444285-5bf668c5 (2026-01-08) — Liability Dispute | Question of Fact; Company Position Upheld; Contract Language/Legal Issue
homeowners Complaint #TX-443511-6f62bb4d (2025-12-31) — Delayed payment
homeowners Complaint #TX-439219-9f60eada (2025-11-07) — Premium or billing dispute
homeowners Complaint #TX-436422-894771bb (2025-10-07) — Premium or billing dispute
homeowners Complaint #TX-431088-9f4845a0 (2025-08-07) — Unsatisfactory Settle/Offer | Additional Monies Received; Claim Settled
homeowners Complaint #TX-430580-9f4845a0 (2025-08-01) — Unsatisfactory Settle/Offer | Company Position Upheld; Question of Fact; Claim Settled
homeowners Complaint #TX-428033-67b08b4f (2025-07-07) — Cust Service Claim Handling | Information Furnished; Claim Settled
homeowners Complaint #TX-425679-5c52f7fc (2025-06-06) — Claim denial
homeowners Complaint #TX-415661-62bb7f4f (2025-02-10) — Delayed payment

Frequently Asked Questions

How many homeowners complaints does Root Insurance Company have in Texas?

Root Insurance Company has 192 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 Root Insurance Company in Texas?

The most common issues are: Delayed payment (83), Claim denial (45), Premium or billing dispute (17), Other | Question of Fact; Information Furnished (2), Unsatisfactory Settle/Offer | Additional Payment Expected; Question of Fact (2).

How does Root Insurance Company's homeowners record in Texas compare to other states?

Root Insurance Company has 192 homeowners complaints in Texas out of 192 total homeowners complaints nationwide. That is 100.0% of their homeowners volume.

Where can I file a homeowners complaint against Root 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.