State Farm underpayment in Texas.
Three layers stack here: State Farm's documented claims-handling patterns, Texas's statutes for unfair claims practices and appraisal, and the most recent court opinions that have shaped how those collide. We pull the case law live from CourtListener and the complaint index live from NAIC — both update without manual edits.
The Texas statute
What your carrier owes you under state law
Texas Insurance Code § 541 (Unfair Methods of Competition and Unfair or Deceptive Acts) + § 542 (Texas Prompt Payment of Claims Act). Statutory penalty: 18% APR + attorney fees.
How long you have to act
2 years from accrual; the prompt-payment clock starts at the date of claim receipt.
Your fastest enforcement lever
Texas Supreme Court (State Farm Lloyds v. Johnson 2009) confirms appraisal clause covers causation and scope, not just amount.
🔴 Live intel on State Farm
Industry standards to cite
Recent court opinions mentioning State Farm
- STATE FARM FIRE & CASUALTY CO. v. PALUMBOSupreme Court of Oklahoma · 2026-06-23
- Fincher v. State Farm Mut. Automobile Ins. Co.Ohio Court of Appeals · 2025-05-16
- Juan Alvarez v. State Farm LloydsTexas Court of Appeals, 4th District (San Antonio) · 2017-09-27
- State Farm Florida Insurance Co. v. PhillipsDistrict Court of Appeal of Florida · 2014-02-14
- Cambridge Village Condominium Owners' Assn. v. State Farm Fire & Cas. Co.Ohio Court of Appeals · 2025-03-10
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