What is the TDI Complaint Index?
The Texas Department of Insurance (TDI) calculates an annual **Complaint Index** for every licensed home insurer in Texas. The index compares an insurer's market share of complaints against its total market share of policies written.
- **1.0** represents the state average.
- **Below 1.0** indicates fewer complaints than average (e.g., 0.50 means 50% fewer complaints).
- **Above 1.0** indicates a higher rate of consumer complaints regarding claim denials or delays.
Why TDI Complaint Ratings Matter More Than Online Reviews
Unlike online review forums where dissatisfied customers write emotional posts, TDI complaints are formal regulatory investigations verified by state insurance examiners against insurance contract standards.