FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibits
1 | P a g e
TEXAS DEPARTMENT OF INSURANCE
SUPPLEMENTAL EXHIBIT I
MAP OF REGIONS
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit I: Map of Regions
2 | P a g e
TEXAS DEPARTMENT OF INSURANCE
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit II: Residential Property Windstorm and Hail Litigation Data by Event (Section II)
3 | P a g e
TEXAS DEPARTMENT OF INSURANCE
SUPPLEMENTAL EXHIBIT II
FINAL RESULTS
RESIDENTIAL PROPERTY WINDSTORM AND HAIL
LITIGATION DATA (SECTION II)
BY EVENT
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit II: Residential Property Windstorm and Hail Litigation Data by Event (Section II)
4 | P a g e
TEXAS DEPARTMENT OF INSURANCE
Note: There are few claims with attorney or PA involvement in our sample for events 1-3 and events 7-9; this can cause a large amount of variability in the averages.
*Data for these events is immature. These averages will change as claims from these events that take more time to be reported and closed are settled by insurers. Data includes claims reported through
March 31, 2016. In some cases, companies included claims reported through the date they submitted the data to TDI. In some cases, claims status is as of the date the company submitted data to TDI.
8394
133
306
198
100 117
81 64
0
50
100
150
200
250
300
350
1 2 3 4 5 6* 7* 8* 9*
Avg
. T
ime t
o C
lose
(in
Da
ys)
Event Number
Statewide Average Time to Close a Claim (in Days)(Based Only on Sampled Claims Closed as of March 31, 2016)
0
100
200
300
400
500
600
700
800
900
1 2 3 4 5 6* 7* 8* 9*
Avg
. T
ime t
o C
lose
(in
Da
ys)
Event Number
Statewide Average Time to Close a Claim (in Days) Attorney or PA Involved vs. No Attorney or PA Involved(Based Only on Sampled Claims Closed as of March 31, 2016)
Attorney or PA Involved No Attorney or PA Involved All Closed Claims
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit II: Residential Property Windstorm and Hail Litigation Data by Event (Section II)
5 | P a g e
TEXAS DEPARTMENT OF INSURANCE
Combined for Events 1-5* as of March 31, 2016
Type of Claim
Avg.
Number
of Days
Until
First
Close
Avg.
Number
of Days
Until
Final
Close
Avg. Payment through Date Claim First Closed Avg. Payment through Date Claim Last Closed
Loss Payment Loss Expense
Payment
Loss and Loss
Expense
Payments
Loss Payment Loss Expense
Payment
Loss and Loss
Expense
Payments
Known Lawsuits 59 745 $ 6,659 $ 590 $ 7,249 $ 34,882 $ 9,683 $ 44,566
Attorney, Unknown or No Lawsuit 20 750 $ 5,557 $ 130 $ 5,687 $ 43,340 $ 6,629 $ 49,969
No Attorney or PA Involved 32 153 $ 7,585 $ 120 $ 7,705 $ 12,530 $ 264 $ 12,794
All Closed Claims 33 200 $ 7,489 $ 144 $ 7,633 $ 14,528 $ 907 $ 15,435
*Events 6-9 occurred in 2014 and 2015. These events were excluded because the data for these years is immature and does not yet include claims that take longer to settle. Data includes claims reported
through March 31, 2016. In some cases, companies included claims reported through the date they submitted the data to TDI. In some cases, claims status is as of the date the company submitted data to
TDI.
745 750
153 200
0
100
200
300
400
500
600
700
800
900
Known Lawsuits Attorney, Unknown or No
Lawsuit
No Attorney or PA
Involved
All Closed Claims
Avera
ge T
ime t
o C
lose
(in
Da
ys)
Statewide Average Time to Close a Claim (in Days)
Events 1-5*No Attorney or PA / Attorney or PA / Lawsuits
(Based Only on Sampled Claims Closed as of March 31, 2016)
$44,566 $49,969
$12,794
$15,435
$-
$10,000
$20,000
$30,000
$40,000
$50,000
$60,000
Known Lawsuits Attorney, Unknown or
No Lawsuit
No Attorney or PA
Involved
All Closed Claims
Avera
ge L
oss
an
d E
xp
en
se P
ay
men
t
Average Loss and ALAE Paid as of Final Close
Events 1-5*No Attorney or PA / Attorney or PA / Lawsuit
(Based Only on Sampled Claims Closed as of March 31, 2016)
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit II: Residential Property Windstorm and Hail Litigation Data by Event (Section II)
6 | P a g e
TEXAS DEPARTMENT OF INSURANCE
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
1 2 3 4 5 6 7 8 9
Percen
tag
e o
f R
ep
orte
d C
laim
s
Event Number
Percentage of Claims by Claim Status at First Close
All Claims, by Event
Closed - No Payment Closed With Payment Closed - Unknown Payment Not Closed
5%
10%9%
10%
5%
12%
8% 8%
11%
0%
5%
10%
15%
20%
25%
1 2 3 4 5 6 7 8 9
Percen
tag
e o
f R
ep
orte
d C
laim
s
Event Number
Percentage of Claims Closed With No Payment at First Close
All Claims, by Event
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit II: Residential Property Windstorm and Hail Litigation Data by Event (Section II)
7 | P a g e
TEXAS DEPARTMENT OF INSURANCE
Data for events 1-3 and 7-9 is not shown because each event had fewer than 50 claims involving attorneys, PAs, or lawsuits. Information for all claims for these events is shown on Page 6.
10%
18%
72%
0%
Percentage of Claims by Claim Status at First Close
Event 4, Mar. 28 - Apr. 5, 2012, Hidalgo County
All Claims
Closed - No Payment Closed - Unknown Payment
Closed With Payment Not Closed
20%
18%
61%
0%
Percentage of Claims by Claim Status at First Close
Event 4, Mar. 28 - Apr. 5, 2012, Hidalgo County
Claims with Attorney or PA Involvement
Closed - No Payment Closed - Unknown Payment
Closed With Payment Not Closed
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit II: Residential Property Windstorm and Hail Litigation Data by Event (Section II)
8 | P a g e
TEXAS DEPARTMENT OF INSURANCE
Data for events 1-3 and 7-9 is not shown because each event had fewer than 50 claims involving attorneys, PAs, or lawsuits. Information for all claims for these events is shown on Page 6.
10%
18%
72%
0%
Percentage of Claims by Claim Status at First Close
Event 4, Mar. 28 - Apr. 5, 2012, Hidalgo County
All Claims
Closed - No Payment Closed - Unknown Payment
Closed With Payment Not Closed
11%
24%
64%
1%
Percentage of Claims by Claim Status at First Close
Event 4, Mar. 28 - Apr. 5, 2012, Hidalgo County
Claims with Lawsuits
Closed - No Payment Closed - Unknown Payment
Closed With Payment Not Closed
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit II: Residential Property Windstorm and Hail Litigation Data by Event (Section II)
9 | P a g e
TEXAS DEPARTMENT OF INSURANCE
Data for events 1-3 and 7-9 is not shown because each event had fewer than 50 claims involving attorneys, PAs, or lawsuits. Information for all claims for these events is shown on Page 6.
5%
9%
86%
0%
Percentage of Claims by Claim Status at First Close
Event 5, May 27-30, 2013, Amarillo Area
All Claims
Closed - No Payment Closed - Unknown Payment
Closed With Payment Not Closed
5%
14%
81%
0%
Percentage of Claims by Claim Status at First Close
Event 5, May 27-30, 2013, Amarillo Area
Claims with Attorney or PA Involvement
Closed - No Payment Closed - Unknown Payment
Closed With Payment Not Closed
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit II: Residential Property Windstorm and Hail Litigation Data by Event (Section II)
10 | P a g e
TEXAS DEPARTMENT OF INSURANCE
Data for events 1-3 and 7-9 is not shown because each event had fewer than 50 claims involving attorneys, PAs, or lawsuits. Information for all claims for these events is shown on Page 6.
5%
9%
86%
0%
Percentage of Claims by Claim Status at First Close
Event 5, May 27-30, 2013, Amarillo Area
All Claims
Closed - No Payment Closed - Unknown Payment
Closed With Payment Not Closed
3%
16%
82%
0%
Percentage of Claims by Claim Status at First Close
Event 5, May 27-30, 2013, Amarillo Area
Claims with Lawsuits
Closed - No Payment Closed - Unknown Payment
Closed With Payment Not Closed
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit II: Residential Property Windstorm and Hail Litigation Data by Event (Section II)
11 | P a g e
TEXAS DEPARTMENT OF INSURANCE
Note: Event 6 had about 200 claims involving attorneys or PAs and less than 100 claims involving lawsuits. Small numbers of claims can increase the variability of the results. Data for events 1-3 and 7-9
is not shown because each event had fewer than 50 claims involving attorneys, PAs, or lawsuits. Information for all claims for these events is shown on Page 6.
12%
11%
77%
0%
Percentage of Claims by Claim Status at First Close
Event 6, Apr. 2-5, 2014, Collin County
All Claims
Closed - No Payment Closed - Unknown Payment
Closed With Payment Not Closed
23%
30%
46%
1%
Percentage of Claims by Claim Status at First Close
Event 6, Apr. 2-5, 2014, Collin County
Claims with Attorney or PA Involvement
Closed - No Payment Closed - Unknown Payment
Closed With Payment Not Closed
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit II: Residential Property Windstorm and Hail Litigation Data by Event (Section II)
12 | P a g e
TEXAS DEPARTMENT OF INSURANCE
Note: Event 6 had about 200 claims involving attorneys or PAs and less than 100 claims involving lawsuits. Small numbers of claims can increase the variability of the results. Data for events 1-3 and 7-9
is not shown because each event had fewer than 50 claims involving attorneys, PAs, or lawsuits. Information for all claims for these events is shown on Page 6.
12%
11%
77%
0%
Percentage of Claims by Claim Status at First Close
Event 6, Apr. 2-5, 2014, Collin County
All Claims
Closed - No Payment Closed - Unknown Payment
Closed With Payment Not Closed
12%
44%
42%
2%
Percentage of Claims by Claim Status at First Close
Event 6, Apr. 2-5, 2014, Collin County
Claims with Lawsuits
Closed - No Payment Closed - Unknown Payment
Closed With Payment Not Closed
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit II: Residential Property Windstorm and Hail Litigation Data by Event (Section II)
13 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Date of attorney involvement is the earliest of: (i) date of letter of representation or demand letter; and (ii) date of lawsuit.
0
5
10
15
20
25
7/8
/200
9
10
/8/2
009
1/8
/201
0
4/8
/201
0
7/8
/201
0
10
/8/2
010
1/8
/201
1
4/8
/201
1
7/8
/201
1
10
/8/2
011
1/8
/201
2
4/8
/201
2
7/8
/201
2
10
/8/2
012
1/8
/201
3
4/8
/201
3
7/8
/201
3
10
/8/2
013
1/8
/201
4
4/8
/201
4
7/8
/201
4
10
/8/2
014
1/8
/201
5
4/8
/201
5
7/8
/201
5
10
/8/2
015
1/8
/201
6
4/8
/201
6
Nu
mb
er o
f C
laim
s
Number of Claims by Day of Attorney Involvement*
Event 1 (Jul. 8-9, 2009, North Texas)
0
5
10
15
20
25
7/8
/200
9
10
/8/2
009
1/8
/201
0
4/8
/201
0
7/8
/201
0
10
/8/2
010
1/8
/201
1
4/8
/201
1
7/8
/201
1
10
/8/2
011
1/8
/201
2
4/8
/201
2
7/8
/201
2
10
/8/2
012
1/8
/201
3
4/8
/201
3
7/8
/201
3
10
/8/2
013
1/8
/201
4
4/8
/201
4
7/8
/201
4
10
/8/2
014
1/8
/201
5
4/8
/201
5
7/8
/201
5
10
/8/2
015
1/8
/201
6
4/8
/201
6
Nu
mb
er o
f C
laim
s
Number of Claims by Day Suit Filed
Event 1 (Jul. 8-9, 2009, North Texas)
NO SUITS REPORTED FOR THIS EVENT
0
5
10
15
20
25
7/2
3/2
010
10
/23/2
010
1/2
3/2
011
4/2
3/2
011
7/2
3/2
011
10
/23/2
011
1/2
3/2
012
4/2
3/2
012
7/2
3/2
012
10
/23/2
012
1/2
3/2
013
4/2
3/2
013
7/2
3/2
013
10
/23/2
013
1/2
3/2
014
4/2
3/2
014
7/2
3/2
014
10
/23/2
014
1/2
3/2
015
4/2
3/2
015
7/2
3/2
015
10
/23/2
015
1/2
3/2
016
4/2
3/2
016
Nu
mb
er o
f C
laim
s
Number of Claims by Day of Attorney Involvement*
Event 2 (Jul. 23-24, 2010, Houston Area)
0
5
10
15
20
25
7/2
3/2
010
10
/23/2
010
1/2
3/2
011
4/2
3/2
011
7/2
3/2
011
10
/23/2
011
1/2
3/2
012
4/2
3/2
012
7/2
3/2
012
10
/23/2
012
1/2
3/2
013
4/2
3/2
013
7/2
3/2
013
10
/23/2
013
1/2
3/2
014
4/2
3/2
014
7/2
3/2
014
10
/23/2
014
1/2
3/2
015
4/2
3/2
015
7/2
3/2
015
10
/23/2
015
1/2
3/2
016
4/2
3/2
016
Nu
mb
er o
f C
laim
s
Number of Claims by Day Suit Filed
Event 2 (Jul. 23-24, 2010, Houston Area)
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit II: Residential Property Windstorm and Hail Litigation Data by Event (Section II)
14 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Date of attorney involvement is the earliest of: (i) date of letter of representation or demand letter; and (ii) date of lawsuit.
0
5
10
15
20
25
6/2
0/2
011
9/2
0/2
011
12
/20/2
011
3/2
0/2
012
6/2
0/2
012
9/2
0/2
012
12
/20/2
012
3/2
0/2
013
6/2
0/2
013
9/2
0/2
013
12
/20/2
013
3/2
0/2
014
6/2
0/2
014
9/2
0/2
014
12
/20/2
014
3/2
0/2
015
6/2
0/2
015
9/2
0/2
015
12
/20/2
015
3/2
0/2
016
6/2
0/2
016
Nu
mb
er o
f C
laim
s
Number of Claims by Day of Attorney Involvement*
Event 3 (Jun. 20-22, 2011, Dallas-Fort Worth Area)
0
5
10
15
20
25
6/2
0/2
011
9/2
0/2
011
12
/20/2
011
3/2
0/2
012
6/2
0/2
012
9/2
0/2
012
12
/20/2
012
3/2
0/2
013
6/2
0/2
013
9/2
0/2
013
12
/20/2
013
3/2
0/2
014
6/2
0/2
014
9/2
0/2
014
12
/20/2
014
3/2
0/2
015
6/2
0/2
015
9/2
0/2
015
12
/20/2
015
3/2
0/2
016
6/2
0/2
016
Nu
mb
er o
f C
laim
s
Number of Claims by Day Suit Filed
Event 3 (Jun. 20-22, 2011, Dallas-Fort Worth Area)
0
10
20
30
40
50
60
70
80
3/2
8/2
012
5/2
8/2
012
7/2
8/2
012
9/2
8/2
012
11
/28/2
012
1/2
8/2
013
3/2
8/2
013
5/2
8/2
013
7/2
8/2
013
9/2
8/2
013
11
/28/2
013
1/2
8/2
014
3/2
8/2
014
5/2
8/2
014
7/2
8/2
014
9/2
8/2
014
11
/28/2
014
1/2
8/2
015
3/2
8/2
015
5/2
8/2
015
7/2
8/2
015
9/2
8/2
015
11
/28/2
015
1/2
8/2
016
3/2
8/2
016
5/2
8/2
016
Nu
mb
er o
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laim
s
Number of Claims by Day of Attorney Involvement*
Event 4 (Mar 28-Apr 5, 2012, Hidalgo County)
0
10
20
30
40
50
60
70
80
3/2
8/2
012
5/2
8/2
012
7/2
8/2
012
9/2
8/2
012
11
/28/2
012
1/2
8/2
013
3/2
8/2
013
5/2
8/2
013
7/2
8/2
013
9/2
8/2
013
11
/28/2
013
1/2
8/2
014
3/2
8/2
014
5/2
8/2
014
7/2
8/2
014
9/2
8/2
014
11
/28/2
014
1/2
8/2
015
3/2
8/2
015
5/2
8/2
015
7/2
8/2
015
9/2
8/2
015
11
/28/2
015
1/2
8/2
016
3/2
8/2
016
5/2
8/2
016
Nu
mb
er o
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laim
s
Number of Claims by Day Suit Filed
Event 4 (Mar 28-Apr 5, 2012, Hidalgo County)
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit II: Residential Property Windstorm and Hail Litigation Data by Event (Section II)
15 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Date of attorney involvement is the earliest of: (i) date of letter of representation or demand letter; and (ii) date of lawsuit.
0
5
10
15
20
25
30
35
40
5/2
7/2
013
7/2
7/2
013
9/2
7/2
013
11
/27/2
013
1/2
7/2
014
3/2
7/2
014
5/2
7/2
014
7/2
7/2
014
9/2
7/2
014
11
/27/2
014
1/2
7/2
015
3/2
7/2
015
5/2
7/2
015
7/2
7/2
015
9/2
7/2
015
11
/27/2
015
1/2
7/2
016
3/2
7/2
016
5/2
7/2
016
Nu
mb
er o
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laim
s
Number of Claims by Day of Attorney Involvement*
Event 5 (May 27-30, 2013, Amarillo Area)
0
5
10
15
20
25
30
35
40
5/2
7/2
013
7/2
7/2
013
9/2
7/2
013
11
/27/2
013
1/2
7/2
014
3/2
7/2
014
5/2
7/2
014
7/2
7/2
014
9/2
7/2
014
11
/27/2
014
1/2
7/2
015
3/2
7/2
015
5/2
7/2
015
7/2
7/2
015
9/2
7/2
015
11
/27/2
015
1/2
7/2
016
3/2
7/2
016
5/2
7/2
016
Nu
mb
er o
f C
laim
s
Number of Claims by Day Suit Filed
Event 5 (May 27-30, 2013, Amarillo Area)
0
5
10
15
20
25
4/2
/201
4
5/2
/201
4
6/2
/201
4
7/2
/201
4
8/2
/201
4
9/2
/201
4
10
/2/2
014
11
/2/2
014
12
/2/2
014
1/2
/201
5
2/2
/201
5
3/2
/201
5
4/2
/201
5
5/2
/201
5
6/2
/201
5
7/2
/201
5
8/2
/201
5
9/2
/201
5
10
/2/2
015
11
/2/2
015
12
/2/2
015
1/2
/201
6
2/2
/201
6
3/2
/201
6
4/2
/201
6
5/2
/201
6
6/2
/201
6
Nu
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s
Number of Claims by Day of Attorney Involvement*
Event 6 (Apr. 2-5, 2014, Collin County)
0
5
10
15
20
25
4/2
/201
4
5/2
/201
4
6/2
/201
4
7/2
/201
4
8/2
/201
4
9/2
/201
4
10
/2/2
014
11
/2/2
014
12
/2/2
014
1/2
/201
5
2/2
/201
5
3/2
/201
5
4/2
/201
5
5/2
/201
5
6/2
/201
5
7/2
/201
5
8/2
/201
5
9/2
/201
5
10
/2/2
015
11
/2/2
015
12
/2/2
015
1/2
/201
6
2/2
/201
6
3/2
/201
6
4/2
/201
6
5/2
/201
6
6/2
/201
6
Nu
mb
er o
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s
Number of Claims by Day Suit Filed
Event 6 (Apr. 2-5, 2014, Collin County)
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit II: Residential Property Windstorm and Hail Litigation Data by Event (Section II)
16 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Date of attorney involvement is the earliest of: (i) date of letter of representation or demand letter; and (ii) date of lawsuit.
0
5
10
15
20
25
6/5
/201
4
7/5
/201
4
8/5
/201
4
9/5
/201
4
10
/5/2
014
11
/5/2
014
12
/5/2
014
1/5
/201
5
2/5
/201
5
3/5
/201
5
4/5
/201
5
5/5
/201
5
6/5
/201
5
7/5
/201
5
8/5
/201
5
9/5
/201
5
10
/5/2
015
11
/5/2
015
12
/5/2
015
1/5
/201
6
2/5
/201
6
3/5
/201
6
4/5
/201
6
5/5
/201
6
6/5
/201
6
Nu
mb
er o
f C
laim
s
Number of Claims by Day of Attorney Involvement*
Event 7 (Jun. 5-8, 2014, Panhandle/West Texas)
0
5
10
15
20
25
6/5
/201
4
7/5
/201
4
8/5
/201
4
9/5
/201
4
10
/5/2
014
11
/5/2
014
12
/5/2
014
1/5
/201
5
2/5
/201
5
3/5
/201
5
4/5
/201
5
5/5
/201
5
6/5
/201
5
7/5
/201
5
8/5
/201
5
9/5
/201
5
10
/5/2
015
11
/5/2
015
12
/5/2
015
1/5
/201
6
2/5
/201
6
3/5
/201
6
4/5
/201
6
5/5
/201
6
6/5
/201
6
Nu
mb
er o
f C
laim
s
Number of Claims by Day Suit Filed
Event 7 (Jun. 5-8, 2014, Panhandle/West Texas)
0
5
10
15
20
25
4/2
2/2
015
5/1
3/2
015
6/3
/201
5
6/2
4/2
015
7/1
5/2
015
8/5
/201
5
8/2
6/2
015
9/1
6/2
015
10
/7/2
015
10
/28/2
015
11
/18/2
015
12
/9/2
015
12
/30/2
015
1/2
0/2
016
2/1
0/2
016
3/2
/201
6
3/2
3/2
016
4/1
3/2
016
5/4
/201
6
5/2
5/2
016
6/1
5/2
016
Nu
mb
er o
f C
laim
s
Number of Claims by Day of Attorney Involvement*
Event 8 (Apr. 22-28, 2015, Bexar County)
0
5
10
15
20
25
4/2
2/2
015
5/1
3/2
015
6/3
/201
5
6/2
4/2
015
7/1
5/2
015
8/5
/201
5
8/2
6/2
015
9/1
6/2
015
10
/7/2
015
10
/28/2
015
11
/18/2
015
12
/9/2
015
12
/30/2
015
1/2
0/2
016
2/1
0/2
016
3/2
/201
6
3/2
3/2
016
4/1
3/2
016
5/4
/201
6
5/2
5/2
016
6/1
5/2
016
Nu
mb
er o
f C
laim
s
Number of Claims by Day Suit Filed
Event 8 (Apr. 22-28, 2015, Bexar County)
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit II: Residential Property Windstorm and Hail Litigation Data by Event (Section II)
17 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Date of attorney involvement is the earliest of: (i) date of letter of representation or demand letter; and (ii) date of lawsuit.
0
5
10
15
20
25
6/1
2/2
015
6/2
6/2
015
7/1
0/2
015
7/2
4/2
015
8/7
/201
5
8/2
1/2
015
9/4
/201
5
9/1
8/2
015
10
/2/2
015
10
/16/2
015
10
/30/2
015
11
/13/2
015
11
/27/2
015
12
/11/2
015
12
/25/2
015
1/8
/201
6
1/2
2/2
016
2/5
/201
6
2/1
9/2
016
3/4
/201
6
3/1
8/2
016
4/1
/201
6
4/1
5/2
016
4/2
9/2
016
5/1
3/2
016
5/2
7/2
016
6/1
0/2
016
6/2
4/2
016
Nu
mb
er o
f C
laim
s
Number of Claims by Day of Attorney Involvement*
Event 9 (Jun. 12-13, 2015, North Texas/West Texas)
0
5
10
15
20
25
6/1
2/2
015
6/2
6/2
015
7/1
0/2
015
7/2
4/2
015
8/7
/201
5
8/2
1/2
015
9/4
/201
5
9/1
8/2
015
10
/2/2
015
10
/16/2
015
10
/30/2
015
11
/13/2
015
11
/27/2
015
12
/11/2
015
12
/25/2
015
1/8
/201
6
1/2
2/2
016
2/5
/201
6
2/1
9/2
016
3/4
/201
6
3/1
8/2
016
4/1
/201
6
4/1
5/2
016
4/2
9/2
016
5/1
3/2
016
5/2
7/2
016
6/1
0/2
016
6/2
4/2
016
Nu
mb
er o
f C
laim
s
Number of Claims by Day Suit Filed
Event 9 (Jun. 12-13, 2015, North Texas/West Texas)
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Residential Property Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
18 | P a g e
TEXAS DEPARTMENT OF INSURANCE
SUPPLEMENTAL EXHIBIT III
TDI RESIDENTIAL PROPERTY
MARKET DATA
BY REGION
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
19 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
60.7%
0%
25%
50%
75%
100%
125%
150%
175%
200%
Lo
ss R
ati
o (
Lo
sses
per $
1 P
rem
ium
)
Statewide
Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
57.0%
0%
25%
50%
75%
100%
125%
150%
175%
200%
Lo
ss R
ati
o (
Lo
sses
per $
1 P
rem
ium
)
Central Texas
Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
61.5%
0%
25%
50%
75%
100%
125%
150%
175%
200%
Lo
ss R
ati
o (
Lo
sses
per $
1 P
rem
ium
)
Dallas-Fort Worth Metroplex
Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
65.3%
0%
25%
50%
75%
100%
125%
150%
175%
200%
Lo
ss R
ati
o (
Lo
sses
per $
1 P
rem
ium
)
East Texas
Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
20 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
289.8%200.6%
55.5%
0%
25%
50%
75%
100%
125%
150%
175%
200%
Lo
ss R
ati
o (
Lo
sses
per $
1 P
rem
ium
)
Houston Area and Southeast Texas
Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
70.2%
0%
25%
50%
75%
100%
125%
150%
175%
200%
Lo
ss R
ati
o (
Lo
sses
per $
1 P
rem
ium
)
North Texas (Excluding DFW)
Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
251.5%
39.0%
0%
25%
50%
75%
100%
125%
150%
175%
200%
Lo
ss R
ati
o (
Lo
sses
per $
1 P
rem
ium
)
Other Seacoast
Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
344.7%
88.6%
0%
25%
50%
75%
100%
125%
150%
175%
200%
Lo
ss R
ati
o (
Lo
sses
per $
1 P
rem
ium
)
Panhandle
Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
21 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
319.3%244.3%
70.8%
0%
25%
50%
75%
100%
125%
150%
175%
200%
Lo
ss R
ati
o (
Lo
sses
per $
1 P
rem
ium
)
South Texas
Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
328.5%
84.4%
0%
25%
50%
75%
100%
125%
150%
175%
200%
Lo
ss R
ati
o (
Lo
sses
per $
1 P
rem
ium
)
Southwest Texas
Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
74.6%
0%
25%
50%
75%
100%
125%
150%
175%
200%
Lo
ss R
ati
o (
Lo
sses
per $
1 P
rem
ium
)
West Texas
Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
22 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
11.0
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id C
laim
s p
er 1
00
Po
licie
s
Statewide
Claim Frequency (per 100 Policies), 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
9.8
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id C
laim
s p
er 1
00
Po
licie
s
Central Texas
Claim Frequency (per 100 Policies), 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
12.0
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id C
laim
s p
er 1
00
Po
licie
s
Dallas-Fort Worth Metroplex
Claim Frequency (per 100 Policies), 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
10.3
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id C
laim
s p
er 1
00
Po
licie
s
East Texas
Claim Frequency (per 100 Policies), 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
23 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
47.0
10.0
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id C
laim
s p
er 1
00
Po
licie
s
Houston Area and Southeast Texas
Claim Frequency (per 100 Policies), 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
32.0
13.3
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id C
laim
s p
er 1
00
Po
licie
s
North Texas (Excluding DFW)
Claim Frequency (per 100 Policies), 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
5.7
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id C
laim
s p
er 1
00
Po
licie
s
Other Seacoast
Claim Frequency (per 100 Policies), 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
35.5 47.5 16.5
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id C
laim
s p
er 1
00
Po
licie
s
Panhandle
Claim Frequency (per 100 Policies), 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
24 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
8.5
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id C
laim
s p
er 1
00
Po
licie
s
South Texas
Claim Frequency (per 100 Policies), 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
47.0
11.8
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id C
laim
s p
er 1
00
Po
licie
s
Southwest Texas
Claim Frequency (per 100 Policies), 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
31.9
14.9
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id C
laim
s p
er 1
00
Po
licie
s
West Texas
Claim Frequency (per 100 Policies), 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
25 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
Claims were adjusted for inflation based on changes in the average insured value for dwellings.
$919
$-
$500
$1,000
$1,500
$2,000
$2,500
$3,000
Avera
ge L
oss
per P
oli
cy
Statewide
Inflation-Adjusted Average Loss per Policy, 2000-2015*
Hail Windstorm Water Damage
Fire All Other 16- Yr. Avg. All Perils
$684
$0
$500
$1,000
$1,500
$2,000
$2,500
$3,000
Avera
ge L
oss
per P
oli
cy
Central Texas
Inflation-Adjusted Average Loss per Policy, 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
$990
$0
$500
$1,000
$1,500
$2,000
$2,500
$3,000
Avera
ge L
oss
per P
oli
cy
Dallas-Fort Worth Metroplex
Inflation-Adjusted Average Loss per Policy, 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
$806
$0
$500
$1,000
$1,500
$2,000
$2,500
$3,000
Avera
ge L
oss
per P
oli
cy
East Texas
Inflation-Adjusted Average Loss per Policy, 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
26 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
Claims were adjusted for inflation based on changes in the average insured value for dwellings.
$4,694$3,236
$1,062
$0
$500
$1,000
$1,500
$2,000
$2,500
$3,000
Avera
ge L
oss
per P
oli
cy
Houston Area and Southeast Texas
Inflation-Adjusted Average Loss per Policy, 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
$0
$500
$1,000
$1,500
$2,000
$2,500
$3,000
Avera
ge L
oss
per P
oli
cy
North Texas (Excluding DFW)
Inflation-Adjusted Average Loss per Policy, 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
$4,099
$647
$0
$500
$1,000
$1,500
$2,000
$2,500
$3,000
Avera
ge L
oss
per P
oli
cy
Other Seacoast
Inflation-Adjusted Average Loss per Policy, 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
$3,498$5,448
$1,470
$0
$500
$1,000
$1,500
$2,000
$2,500
$3,000
Avera
ge L
oss
per P
oli
cy
Panhandle
Inflation-Adjusted Average Loss per Policy, 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
27 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
Claims were adjusted for inflation based on changes in the average insured value for dwellings.
$3,629
$820
$0
$500
$1,000
$1,500
$2,000
$2,500
$3,000
Avera
ge L
oss
per P
oli
cy
South Texas
Inflation-Adjusted Average Loss per Policy, 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
$596
$0
$500
$1,000
$1,500
$2,000
$2,500
$3,000
Avera
ge L
oss
per P
oli
cy
Southwest Texas
Inflation-Adjusted Average Loss per Policy, 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
$1,139
$0
$500
$1,000
$1,500
$2,000
$2,500
$3,000
Avera
ge L
oss
per P
oli
cy
West Texas
Inflation-Adjusted Average Loss per Policy, 2000-2015*
Hail Windstorm Water Damage
Fire All Other Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
28 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
21%
0%
25%
50%
75%
100%
125%
150%
Ha
il L
oss
Ra
tio
(L
oss
es p
er $
1 P
rem
ium
)
Statewide
Hail Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Hail Average
20%
0%
25%
50%
75%
100%
125%
150%
Ha
il L
oss
Ra
tio
(L
oss
es p
er $
1 P
rem
ium
)
Central Texas
Hail Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Hail Average
29%
0%
25%
50%
75%
100%
125%
150%
Ha
il L
oss
Ra
tio
(L
oss
es p
er $
1 P
rem
ium
)
Dallas-Fort Worth Metroplex
Hail Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Hail Average
12%
0%
25%
50%
75%
100%
125%
150%
Ha
il L
oss
Ra
tio
(L
oss
es p
er $
1 P
rem
ium
)
East Texas
Hail Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Hail Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
29 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns
6%
0%
25%
50%
75%
100%
125%
150%
Ha
il L
oss
Ra
tio
(L
oss
es p
er $
1 P
rem
ium
)
Houston Area and Southeast Texas
Hail Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Hail Average
28%
0%
25%
50%
75%
100%
125%
150%
Ha
il L
oss
Ra
tio
(L
oss
es p
er $
1 P
rem
ium
)
North Texas (Excluding DFW)
Hail Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Hail Average
3%
0%
25%
50%
75%
100%
125%
150%
Ha
il L
oss
Ra
tio
(L
oss
es p
er $
1 P
rem
ium
)
Other Seacoast
Hail Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Hail Average
155.0%
60%
0%
25%
50%
75%
100%
125%
150%
Ha
il L
oss
Ra
tio
(L
oss
es p
er $
1 P
rem
ium
)
Panhandle
Hail Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Hail Average
314.8%
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
30 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
268.0%
28%
0%
25%
50%
75%
100%
125%
150%
Ha
il L
oss
Ra
tio
(L
oss
es p
er $
1 P
rem
ium
)
South Texas
Hail Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Hail Average
266.4%
44%
0%
25%
50%
75%
100%
125%
150%
Ha
il L
oss
Ra
tio
(L
oss
es p
er $
1 P
rem
ium
)
Southwest Texas
Hail Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Hail Average
150.2%
45%
0%
25%
50%
75%
100%
125%
150%
Ha
il L
oss
Ra
tio
(L
oss
es p
er $
1 P
rem
ium
)
West Texas
Hail Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Hail Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
31 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
13%
0%
25%
50%
75%
100%
125%
150%
Win
d L
oss
Ra
tio
(L
oss
es p
er $
1 P
rem
ium
)
Statewide
Windstorm Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Windstorm Average
6%
0%
25%
50%
75%
100%
125%
150%
Win
d
Lo
ss R
ati
o (
Lo
sses
per $
1 P
rem
ium
)
Central Texas
Windstorm Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Windstorm Average
6%
0%
25%
50%
75%
100%
125%
150%
Win
d
Lo
ss R
ati
o (
Lo
sses
per $
1 P
rem
ium
)
Dallas-Fort Worth Metroplex
Windstorm Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Windstorm Average
19%
0%
25%
50%
75%
100%
125%
150%
Win
d
Lo
ss R
ati
o (
Lo
sses
per $
1 P
rem
ium
)
East Texas
Windstorm Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Windstorm Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
32 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
24%
0%
25%
50%
75%
100%
125%
150%
Win
d L
oss
Ra
tio
(L
oss
es p
er $
1 P
rem
ium
)
Houston Area and Southeast Texas
Windstorm Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Windstorm Average
261.3%
11%
0%
25%
50%
75%
100%
125%
150%
Win
d
Lo
ss R
ati
o (
Lo
sses
per $
1 P
rem
ium
)
North Texas (Excluding DFW)
Windstorm Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Windstorm Average
5%
0%
25%
50%
75%
100%
125%
150%
Win
d
Lo
ss R
ati
o (
Lo
sses
per $
1 P
rem
ium
)
Other Seacoast
Windstorm Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Windstorm Average
8%
0%
25%
50%
75%
100%
125%
150%
Win
d
Lo
ss R
ati
o (
Lo
sses
per $
1 P
rem
ium
)
Panhandle
Windstorm Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Windstorm Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
33 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
13%
0%
25%
50%
75%
100%
125%
150%
Win
d
Lo
ss R
ati
o (
Lo
sses
per $
1 P
rem
ium
)
South Texas
Windstorm Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Windstorm Average
14%
0%
25%
50%
75%
100%
125%
150%
Win
d
Lo
ss R
ati
o (
Lo
sses
per $
1 P
rem
ium
)
Southwest Texas
Windstorm Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Windstorm Average
9%
0%
25%
50%
75%
100%
125%
150%
Win
d
Lo
ss R
ati
o (
Lo
sses
per $
1 P
rem
ium
)
West Texas
Windstorm Loss Ratio (Losses per Dollar of Premium), 2000-2015*
Windstorm Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
34 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
3.9
0.0
6.0
12.0
18.0
24.0
30.0
Pa
id H
ail
Cla
ims
per
10
0 P
oli
cie
s
Statewide
Hail Claim Frequency (per 100 Policies), 2000-2015*
Hail 16-Yr. Avg.
3.8
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id H
ail
Cla
ims
per
10
0 P
oli
cie
s
Central Texas
Hail Claim Frequency (per 100 Policies), 2000-2015*
Hail Average
5.6
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id H
ail
Cla
ims
per
10
0 P
oli
cie
s
Dallas-Fort Worth Metroplex
Hail Claim Frequency (per 100 Policies), 2000-2015*
Hail Average
2.4
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id H
ail
Cla
ims
per
10
0 P
oli
cie
s
East Texas
Hail Claim Frequency (per 100 Policies), 2000-2015*
Hail Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
35 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
1.4
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id H
ail
Cla
ims
per
10
0 P
oli
cie
s
Houston Area and Southeast Texas
Hail Claim Frequency (per 100 Policies), 2000-2015*
Hail Average
10.1
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id H
ail
Cla
ims
per
10
0 P
oli
cie
s
North Texas (Excluding DFW)
Hail Claim Frequency (per 100 Policies), 2000-2015*
Hail Average
0.6
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id H
ail
Cla
ims
per
10
0 P
oli
cie
s
Other Seacoast
Hail Claim Frequency (per 100 Policies), 2000-2015*
Hail Average
35.5
47.5
10.1
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id H
ail
Cla
ims
per
10
0 P
oli
cie
s
Panhandle
Hail Claim Frequency (per 100 Policies), 2000-2015*
Hail Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
36 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
2.5
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id H
ail
Cla
ims
per
10
0 P
oli
cie
s
South Texas
Hail Claim Frequency (per 100 Policies), 2000-2015*
Hail Average
4.8
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id H
ail
Cla
ims
per
10
0 P
oli
cie
s
Southwest Texas
Hail Claim Frequency (per 100 Policies), 2000-2015*
Hail Average
7.7
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id H
ail
Cla
ims
per
10
0 P
oli
cie
s
West Texas
Hail Claim Frequency (per 100 Policies), 2000-2015*
Hail Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
37 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
2.6
0.0
6.0
12.0
18.0
24.0
30.0
Pa
id C
laim
s p
er 1
00
Po
licie
s
Statewide
Windstorm Claim Frequency (per 100 Policies), 2000-2015*
Windstorm Average
1.6
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id W
ind
sto
rm
Cla
ims
per
10
0 P
oli
cie
s
Central Texas
Windstorm Claim Frequency (per 100 Policies), 2000-2015*
Windstorm Average
1.7
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id W
ind
sto
rm
Cla
ims
per
10
0 P
oli
cie
s
Dallas-Fort Worth Metroplex
Windstorm Claim Frequency (per 100 Policies), 2000-2015*
Windstorm Average
3.5
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id W
ind
sto
rm
Cla
ims
per
10
0 P
oli
cie
s
East Texas
Windstorm Claim Frequency (per 100 Policies), 2000-2015*
Windstorm Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
38 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
47.0
4.5
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id W
ind
sto
rm
Cla
ims
per
10
0 P
oli
cie
s
Houston Area and Southeast Texas
Windstorm Claim Frequency (per 100 Policies), 2000-2015*
Windstorm Average
2.1
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id W
ind
sto
rm
Cla
ims
per
10
0 P
oli
cie
s
North Texas (Excluding DFW)
Windstorm Claim Frequency (per 100 Policies), 2000-2015*
Windstorm Average
1.5
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id W
ind
sto
rm
Cla
ims
per
10
0 P
oli
cie
s
Other Seacoast
Windstorm Claim Frequency (per 100 Policies), 2000-2015*
Windstorm Average
2.1
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id W
ind
sto
rm
Cla
ims
per
10
0 P
oli
cie
s
Panhandle
Windstorm Claim Frequency (per 100 Policies), 2000-2015*
Windstorm Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
39 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
2.5
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id W
ind
sto
rm
Cla
ims
per
10
0 P
oli
cie
s
South Texas
Windstorm Claim Frequency (per 100 Policies), 2000-2015*
Windstorm Average
2.4
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id W
ind
sto
rm
Cla
ims
per
10
0 P
oli
cie
s
Southwest Texas
Windstorm Claim Frequency (per 100 Policies), 2000-2015*
Windstorm Average
2.5
0.0
5.0
10.0
15.0
20.0
25.0
30.0
Pa
id W
ind
sto
rm
Cla
ims
per
10
0 P
oli
cie
s
West Texas
Windstorm Claim Frequency (per 100 Policies), 2000-2015*
Windstorm Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
40 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
Claims were adjusted for inflation based on changes in the average insured value for dwellings.
$315
$0
$500
$1,000
$1,500
$2,000
$2,500
Avera
ge L
oss
per P
oli
cy
Statewide
Inflation-Adjusted Average Hail Loss per Policy, 2000-2015*
Hail Average
$244
$0
$500
$1,000
$1,500
$2,000
$2,500
Avg
. H
ail
Lo
ss p
er P
oli
cy
Central Texas
Inflation-Adjusted Avg. Hail Loss per Policy, 2000-2015*
Hail Average
$469
$0
$500
$1,000
$1,500
$2,000
$2,500
Avg
. H
ail
Lo
ss p
er P
oli
cy
Dallas-Fort Worth Metroplex
Inflation-Adjusted Avg. Hail Loss per Policy, 2000-2015*
Hail Average
$157
$0
$500
$1,000
$1,500
$2,000
$2,500
Avg
. H
ail
Lo
ss p
er P
oli
cy
East Texas
Inflation-Adjusted Avg. Hail Loss per Policy, 2000-2015*
Hail Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
41 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
Claims were adjusted for inflation based on changes in the average insured value for dwellings.
$131
$0
$500
$1,000
$1,500
$2,000
$2,500
Avg
. H
ail
Lo
ss p
er P
oli
cy
Houston Area and Southeast Texas
Inflation-Adjusted Avg. Hail Loss per Policy, 2000-2015*
Hail Average
$429
$0
$500
$1,000
$1,500
$2,000
$2,500
Avg
. H
ail
Lo
ss p
er P
oli
cy
North Texas (Excluding DFW)
Inflation-Adjusted Avg. Hail Loss per Policy, 2000-2015*
Hail Average
$38
$0
$500
$1,000
$1,500
$2,000
$2,500
Avg
. H
ail
Lo
ss p
er P
oli
cy
Other Seacoast
Inflation-Adjusted Avg. Hail Loss per Policy, 2000-2015*
Hail Average
$1,012
$0
$500
$1,000
$1,500
$2,000
$2,500
Avg
. H
ail
Lo
ss p
er P
oli
cy
Panhandle
Inflation-Adjusted Avg. Hail Loss per Policy, 2000-2015*
Hail Average
$3,140
$4,996
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
42 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
Claims were adjusted for inflation based on changes in the average insured value for dwellings.
$302
$0
$500
$1,000
$1,500
$2,000
$2,500
Avg
. H
ail
Lo
ss p
er P
oli
cy
South Texas
Inflation-Adjusted Avg. Hail Loss per Policy, 2000-2015*
Hail Average
$3,071
$1,837
$320
$0
$500
$1,000
$1,500
$2,000
$2,500
Avg
. H
ail
Lo
ss p
er P
oli
cy
Southwest Texas
Inflation-Adjusted Avg. Hail Loss per Policy, 2000-2015*
Hail Average
$677
$0
$500
$1,000
$1,500
$2,000
$2,500
Avg
. H
ail
Lo
ss p
er P
oli
cy
West Texas
Inflation-Adjusted Avg. Hail Loss per Policy, 2000-2015*
Hail Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
43 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
Claims were adjusted for inflation based on changes in the average insured value for dwellings.
$194
$0
$500
$1,000
$1,500
$2,000
$2,500
Avera
ge L
oss
per p
er P
oli
cy
StatewideInflation-Adjusted Average Windstorm Loss per Policy, 2000-2015*
Windstorm Average
$73
$0
$500
$1,000
$1,500
$2,000
$2,500
Avg
. W
ind
sto
rm
Lo
ss p
er P
oli
cy
Central Texas
Inflation-Adjusted Avg. Windstorm Loss per Policy, 2000-2015
Windstorm Average
$103
$0
$500
$1,000
$1,500
$2,000
$2,500
Avg
. W
ind
sto
rm
Lo
ss p
er P
oli
cy
Dallas-Fort Worth Metroplex
Inflation-Adjusted Avg. Windstorm Loss per Policy, 2000-2015*
Windstorm Average
$244
$0
$500
$1,000
$1,500
$2,000
$2,500
Avg
. W
ind
sto
rm
Lo
ss p
er P
oli
cy
East Texas
Inflation-Adjusted Avg. Windstorm Loss per Policy, 2000-2015*
Windstorm Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
44 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
Claims were adjusted for inflation based on changes in the average insured value for dwellings.
$448
$0
$500
$1,000
$1,500
$2,000
$2,500
Avg
. W
ind
sto
rm
Lo
ss p
er P
oli
cy
Houston Area and Southeast Texas
Inflation-Adjusted Avg. Windstorm Loss per Policy, 2000-2015*
Windstorm Average
$4,324
$157
$0
$500
$1,000
$1,500
$2,000
$2,500
Avg
. W
ind
sto
rm
Lo
ss p
er P
oli
cy
North Texas (Excluding DFW)
Inflation-Adjusted Avg. Windstorm Loss per Policy, 2000-2015*
Windstorm Average
$84
$0
$500
$1,000
$1,500
$2,000
$2,500
Avg
. W
ind
sto
rm
Lo
ss p
er P
oli
cy
Other Seacoast
Inflation-Adjusted Avg. Windstorm Loss per Policy, 2000-2015*
Windstorm Average
$129
$0
$500
$1,000
$1,500
$2,000
$2,500
Avg
. W
ind
sto
rm
Lo
ss p
er P
oli
cy
Panhandle
Inflation-Adjusted Avg. Windstorm Loss per Policy, 2000-2015*
Windstorm Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
45 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
Claims were adjusted for inflation based on changes in the average insured value for dwellings.
$144
$0
$500
$1,000
$1,500
$2,000
$2,500
Avg
. W
ind
sto
rm
Lo
ss p
er P
oli
cy
South Texas
Inflation-Adjusted Avg. Windstorm Loss per Policy, 2000-2015*
Windstorm Average
$104
$0
$500
$1,000
$1,500
$2,000
$2,500
Avg
. W
ind
sto
rm
Lo
ss p
er P
oli
cy
Southwest Texas
Inflation-Adjusted Avg. Windstorm Loss per Policy, 2000-2015*
Windstorm Average
$148
$0
$500
$1,000
$1,500
$2,000
$2,500
Avg
. W
ind
sto
rm
Lo
ss p
er P
oli
cy
West Texas
Inflation-Adjusted Avg. Windstorm Loss per Policy, 2000-2015*
Windstorm Average
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
46 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
Claims were adjusted for inflation based on changes in the average insured value for dwellings.
$-
$3,000
$6,000
$9,000
$12,000
$15,000
$18,000
Avera
ge L
oss
per H
ail
Cla
im
Statewide
Inflation-Adjusted Average Hail Loss per Hail Claim, 2000-2015*
Hail (Infl. Adj.) Hail (Actual)
Best Fit: Growth Rate 3.1% Best Fit (Actual): Growth Rate 7.8%
$-
$3,000
$6,000
$9,000
$12,000
$15,000
$18,000
Avera
ge L
oss
per H
ail
Cla
im
Central Texas
Inflation-Adjusted Average Loss per Hail Claim, 2000-2015*
Hail (Infl. Adj.) Hail (Actual)
Best Fit (Infl. Adj.): Growth Rate 3.8% Best Fit (Actual): Growth Rate 8.6%
$-
$3,000
$6,000
$9,000
$12,000
$15,000
$18,000
Avera
ge L
oss
per H
ail
Cla
im
Dallas-Fort Worth Metroplex
Inflation-Adjusted Average Loss per Hail Claim, 2000-2015*
Hail (Infl. Adj.) Hail (Actual)
Best Fit (Infl. Adj.): Growth Rate 3.4% Best Fit (Actual): Growth Rate 7.6%
$-
$3,000
$6,000
$9,000
$12,000
$15,000
$18,000
Avera
ge L
oss
per H
ail
Cla
im
East Texas
Inflation-Adjusted Average Loss per Hail Claim, 2000-2015*
Hail (Infl. Adj.) Hail (Actual)
Best Fit (Infl. Adj.): Growth Rate 2.5% Best Fit (Actual): Growth Rate 7.3%
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
47 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
Claims were adjusted for inflation based on changes in the average insured value for dwellings.
$-
$3,000
$6,000
$9,000
$12,000
$15,000
$18,000
Avera
ge L
oss
per H
ail
Cla
im
Houston Area and Southeast Texas
Inflation-Adjusted Average Loss per Hail Claim, 2000-2015*
Hail (Infl. Adj.) Hail (Actual)
Best Fit (Infl. Adj.): Growth Rate 2.0% Best Fit (Actual): Growth Rate 6.8%
$-
$3,000
$6,000
$9,000
$12,000
$15,000
$18,000
Avera
ge L
oss
per H
ail
Cla
im
North Texas (Excluding DFW)
Inflation-Adjusted Average Loss per Hail Claim, 2000-2015*
Hail (Infl. Adj.) Hail (Actual)
Best Fit (Infl. Adj.): Growth Rate 3.7% Best Fit (Actual): Growth Rate 8.7%
$-
$3,000
$6,000
$9,000
$12,000
$15,000
$18,000
Avera
ge L
oss
per H
ail
Cla
im
Other Seacoast
Inflation-Adjusted Average Loss per Hail Claim, 2000-2015*
Hail (Infl. Adj.) Hail (Actual)
Best Fit (Infl. Adj.): Growth Rate 3.1% Best Fit (Actual): Growth Rate 0.6%
$-
$3,000
$6,000
$9,000
$12,000
$15,000
$18,000
Avera
ge L
oss
per H
ail
Cla
im
Panhandle
Inflation-Adjusted Average Loss per Hail Claim, 2000-2015*
Hail (Infl. Adj.) Hail (Actual)
Best Fit (Infl. Adj.): Growth Rate 2.4% Best Fit (Actual): Growth Rate 7.1%
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
48 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
Claims were adjusted for inflation based on changes in the average insured value for dwellings.
$-
$3,000
$6,000
$9,000
$12,000
$15,000
$18,000
Avera
ge L
oss
per H
ail
Cla
im
South Texas
Inflation-Adjusted Average Loss per Hail Claim, 2000-2015*
Hail (Infl. Adj.) Hail (Actual)
Best Fit (Infl. Adj.): Growth Rate 6.9% Best Fit (Actual): Growth Rate 11.3%
$-
$3,000
$6,000
$9,000
$12,000
$15,000
$18,000
Avera
ge L
oss
per H
ail
Cla
im
Southwest Texas
Inflation-Adjusted Average Loss per Hail Claim, 2000-2015*
Hail (Infl. Adj.) Hail (Actual)
Best Fit (Infl. Adj.): Growth Rate 5.2% Best Fit (Actual): Growth Rate 9.3%
$-
$3,000
$6,000
$9,000
$12,000
$15,000
$18,000
Avera
ge L
oss
per H
ail
Cla
im
West Texas
Inflation-Adjusted Average Loss per Hail Claim, 2000-2015*
Hail (Infl. Adj.) Hail (Actual)
Best Fit (Infl. Adj.): Growth Rate 3.3% Best Fit (Actual): Growth Rate 8.4%
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
49 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
Claims were adjusted for inflation based on changes in the average insured value for dwellings.
$-
$3,000
$6,000
$9,000
$12,000
$15,000
$18,000
Avera
ge L
oss
per W
ind
sto
rm
C
laim
Statewide
Inflation-Adjusted Avg. Loss per Windstorm Claim, 2000-2015*
Wind (Infl. Adj.) Wind (Actual)
Best Fit: Growth Rate 1.9% Best Fit (Actual): Growth Rate 6.4%
$-
$3,000
$6,000
$9,000
$12,000
$15,000
$18,000
Avera
ge L
oss
per W
ind
sto
rm
Cla
im
Central Texas
Inflation-Adjusted Avg. Loss per Windstorm Claim, 2000-2015*
Wind (Infl. Adj.) Wind (Actual)
Best Fit (Infl. Adj.): Growth Rate 1.4% Best Fit (Actual): Growth Rate 6.0%
$-
$3,000
$6,000
$9,000
$12,000
$15,000
$18,000
Avera
ge L
oss
per W
ind
sto
rm
Cla
im
Dallas-Fort Worth Metroplex
Inflation-Adjusted Avg. Loss per Windstorm Claim, 2000-2015*
Wind (Infl. Adj.) Wind (Actual)
Best Fit (Infl. Adj.): Growth Rate 3.0% Best Fit (Actual): Growth Rate 7.2%
$-
$3,000
$6,000
$9,000
$12,000
$15,000
$18,000
Avera
ge L
oss
per W
ind
sto
rm
Cla
im
East Texas
Inflation-Adjusted Avg. Loss per Windstorm Claim, 2000-2015*
Wind (Infl. Adj.) Wind (Actual)
Best Fit (Infl. Adj.): Growth Rate 0.6% Best Fit (Actual): Growth Rate 5.3%
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
50 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
Claims were adjusted for inflation based on changes in the average insured value for dwellings.
$-
$3,000
$6,000
$9,000
$12,000
$15,000
$18,000
Avera
ge L
oss
per W
ind
sto
rm
Cla
im
Houston Area and Southeast Texas
Inflation-Adjusted Avg. Loss per Windstorm Claim, 2000-2015*
Wind (Infl. Adj.) Wind (Actual)
Best Fit (Infl. Adj.): Growth Rate 1.2% Best Fit (Actual): Growth Rate 5.9%
$-
$3,000
$6,000
$9,000
$12,000
$15,000
$18,000
Avera
ge L
oss
per W
ind
sto
rm
Cla
im
North Texas (Excluding DFW)
Inflation-Adjusted Avg. Loss per Windstorm Claim, 2000-2015*
Wind (Infl. Adj.) Wind (Actual)
Best Fit (Infl. Adj.): Growth Rate 4.2% Best Fit (Actual): Growth Rate 9.3%
$-
$3,000
$6,000
$9,000
$12,000
$15,000
$18,000
Avera
ge L
oss
per W
ind
sto
rm
Cla
im
Other Seacoast
Inflation-Adjusted Avg. Loss per Windstorm Claim, 2000-2015*
Wind (Infl. Adj.) Wind (Actual)
Best Fit (Infl. Adj.): Growth Rate -1.4% Best Fit (Actual): Growth Rate 3.0%
$-
$3,000
$6,000
$9,000
$12,000
$15,000
$18,000
Avera
ge L
oss
per W
ind
sto
rm
Cla
im
Panhandle
Inflation-Adjusted Avg. Loss per Windstorm Claim, 2000-2015*
Wind (Infl. Adj.) Wind (Actual)
Best Fit (Infl. Adj.): Growth Rate 2.6% Best Fit (Actual): Growth Rate 7.4%
FINAL PRESENTATION TO THE TEXAS LEGISLATURE
Supplemental Exhibit III: TDI Market Data by Region (All Data Excludes TWIA, FAIR Plan, and Farm Mutual Insurers)
51 | P a g e
TEXAS DEPARTMENT OF INSURANCE
*Claims and losses are on an occurrence year basis (year of loss) and developed by TDI staff to their estimated ultimate settlement value by cause of loss using historic statewide development patterns.
Claims were adjusted for inflation based on changes in the average insured value for dwellings.
$-
$3,000
$6,000
$9,000
$12,000
$15,000
$18,000
Avera
ge L
oss
per W
ind
sto
rm
Cla
im
South Texas
Inflation-Adjusted Avg. Loss per Windstorm Claim, 2000-2015*
Wind (Infl. Adj.) Wind (Actual)
Best Fit (Infl. Adj.): Growth Rate 4.7% Best Fit (Actual): Growth Rate 9.0%
$-
$3,000
$6,000
$9,000
$12,000
$15,000
$18,000
Avera
ge L
oss
per W
ind
sto
rm
Cla
im
Southwest Texas
Inflation-Adjusted Avg. Loss per Windstorm Claim, 2000-2015*
Wind (Infl. Adj.) Wind (Actual)
Best Fit (Infl. Adj.): Growth Rate 7.0% Best Fit (Actual): Growth Rate 11.2%
$-
$3,000
$6,000
$9,000
$12,000
$15,000
$18,000
Avera
ge L
oss
per W
ind
sto
rm
Cla
im
West Texas
Inflation-Adjusted Avg. Loss per Windstorm Claim, 2000-2015*
Wind (Infl. Adj.) Wind (Actual)
Best Fit (Infl. Adj.): Growth Rate 0.8% Best Fit (Actual): Growth Rate 5.7%