I had a terrible experience with Texas Fair Plan and then I decided to google there name and read all the complaints here online and I was surprised that many people have filed complaints. Google Texas Fair Plan Complaints. They denied my claim because they said it was wind driven rain and they did not cover it. That my home had to much wear and tear. I thought to myself well why insure my home in the first place if they felt this way, also I thought, they did not tell me this when I was making payments to them and I feel they should have sent an inspector the first month at least to tell me this. They kept accepting my money. When I filed a claim they told me this. The rep there also told me alot of roof leak claims where denied I was not the only one. I felt humiliated.
Just fair warning about the Texas Fair Plan. They insure in Texas in South Texas Hurricane and Tropical Storm prone areas. Hurricanes and tropical storms produce heavy wind and wind driven rain. They say they DO NOT cover WIND DRIVEN RAIN. I see now why there are quiet a few other complaints about them. But after denying my claim the claims agent was nice and indicated OH, you better do something about all that water coming in, it can cause mold. Wow, how nice.
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