TX| Texas Department of Insurance Bulletin B-0008-26 encourages all property and casualty insurers writing residential property coverage in Texas to implement meaningful, actuarially supported premium discounts for homeowners who make proven loss-mitigation investments. The bulletin emphasizes that measures such as IBHS FORTIFIED Home construction or retrofits, impact-resistant roofing, and wildfire protection can reduce the frequency and severity of insured losses, strengthen household resilience, and support a more stable and competitive insurance market.
TDI notes that insurers may distinguish resilient properties from standard structures in their rating plans under Texas Insurance Code Chapter 2251, and recommends incorporating mitigation items directly into rating and premium-calculation frameworks, clearly informing policyholders about available credits, and avoiding unnecessary administrative requirements such as redundant surveys or inspection forms when certificates or official designations are available. Insurers seeking to introduce or expand mitigation discounts must submit the applicable rate filings through SERFF.