{"id":76595,"date":"2025-12-05T00:40:07","date_gmt":"2025-12-05T00:40:07","guid":{"rendered":"https:\/\/www.newsbeep.com\/us-tx\/76595\/"},"modified":"2025-12-05T00:40:07","modified_gmt":"2025-12-05T00:40:07","slug":"north-texans-face-issues-with-dismal-state-of-home-insurance","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/us-tx\/76595\/","title":{"rendered":"North Texans face issues with dismal state of home insurance"},"content":{"rendered":"\n

RICHARDSON, Texas – A report<\/a> has revealed that Texas is the third most expensive state in the nation for home insurance.\u00a0<\/p>\n

Some lawmakers are now calling on the governor to hold the insurance industry accountable.\u00a0<\/p>\n

The report says Texas home insurers have denied nearly half of all claims, while bringing in record profits through premium increases.\u00a0<\/p>\n

Texas home insurance rising \"\" <\/p>\n

“New homebuyers are facing higher interest rates, which further erodes their purchasing power,” said Rob Bhatt, LendingTree home insurance expert. (Photographer: David Paul Morris\/Bloomberg via Getty Images) <\/p>\n

Representative Mihaela Plesa (D-Plano), represents southwest Collin County in a district that includes Plano, Dallas, Allen, and Richardson. She says the state of home insurance in Texas is appalling.\u00a0<\/p>\n

“Texas home insurers closed nearly half of all claims without paying a dime,” said Plesa.\u00a0<\/p>\n

Thursday, Texas lawmakers said a combination of rising insurance rates and frequent claim denials are getting out of control.\u00a0<\/p>\n

“Texans are paying twice as much as the national average for home insurance, essentially getting less protections than ever when disaster strikes,” Plesa continued.\u00a0<\/p>\n

She says since 2019, premiums have jumped 55 percent.\u00a0<\/p>\n

“That extra couple hundred dollars a month squeezes budgets. They are thinking, \u2018Can I afford my home? Do I have to cut back on groceries?\u2019” Plesa said.\u00a0<\/p>\n

Plesa says insurance companies are also quietly shifting more claim expenses to homeowners. For example, she says a $1,000 deductible is likely now $2,000.\u00a0<\/p>\n

North Texan’s home insurance battle <\/p>\n

Local perspective:<\/p>\n

Flinn Carrington knows firsthand how devastating a home insurance battle can be.\u00a0<\/p>\n

“My wife had just come in from a bike ride and was screaming and yelling. I opened the door and there was water running through the house,” Carrington said.\u00a0<\/p>\n

Thinking it was a broken line, he immediately turned off the water, but water continued to gush through his home.<\/p>\n

“Everything you flush down your toilet was inside our house,” he said.\u00a0<\/p>\n

A plumber determined there was nothing wrong with his home’s plumbing.\u00a0<\/p>\n

When FOX 4 reached out in 2020, the City of Richardson denied Carrington’s allegation that the city caused the problem.\u00a0<\/p>\n

“Never seen anything like this. There was no way to stop it,” Carrington said.\u00a0<\/p>\n

In the aftermath, Carrington thought his insurance company would help him salvage his home and replace his ruined belongings.\u00a0<\/p>\n

“Weeks go by. I get a check in the mail for $5,000 for water pump backup. I’m thinking, you’ve got to be kidding me,” Carrington said.\u00a0<\/p>\n

“The damages on the house were estimated at over $120,000,” he continued.\u00a0<\/p>\n

The Carringtons couldn’t keep up with rent while paying their mortgage and covering the cost of repairs.\u00a0<\/p>\n

“We lost everything in the process,” said Carrington.<\/p>\n

Carrington hopes that lawmakers will be able to make meaningful changes.\u00a0<\/p>\n

“This state is way too good to allow business to be run this way,” he said.\u00a0<\/p>\n

The Source: Information in this report comes from FOX 4 interviews.<\/p>\n

Texas<\/a>Richardson<\/a>House and Home<\/a> <\/p>\n","protected":false},"excerpt":{"rendered":"RICHARDSON, Texas – A report has revealed that Texas is the third most expensive state in the nation…\n","protected":false},"author":2,"featured_media":76596,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[581,22733,242,223,160,162,161,959,216,393],"class_list":{"0":"post-76595","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-plano","8":"tag-dallas-county","9":"tag-house-home","10":"tag-lifestyle","11":"tag-news","12":"tag-plano","13":"tag-plano-headlines","14":"tag-plano-news","15":"tag-richardson","16":"tag-tx","17":"tag-us"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/us-tx\/wp-json\/wp\/v2\/posts\/76595","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/us-tx\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/us-tx\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-tx\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-tx\/wp-json\/wp\/v2\/comments?post=76595"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/us-tx\/wp-json\/wp\/v2\/posts\/76595\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-tx\/wp-json\/wp\/v2\/media\/76596"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/us-tx\/wp-json\/wp\/v2\/media?parent=76595"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-tx\/wp-json\/wp\/v2\/categories?post=76595"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-tx\/wp-json\/wp\/v2\/tags?post=76595"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}