Texas does not give you a wildfire score appeal. What it gives you, as of this year, is the reason without having to ask, and behind the scenes, a reporting system that tracks where carriers are pulling back. Your move in Texas is not an appeal. It is the market.
Last reviewed August 1, 2026 · Part of the nonrenewal guide
From the 2025 session, in force January 1, 2026.
The industry increasingly prices and reviews homes from aerial imagery and third-party data. Your written reason will name a category: roof condition, vegetation, brush exposure, claims history. It will not show you the imagery or the model behind it. Treat the stated reason as the thing to answer with documentation, whether that means fixing it, or proving the letter has it wrong about your property as it stands today.
The notice window exists so you are not shopping under a lapse deadline. Start with an independent agent, not the captive agent for the carrier that dropped you, and quote multiple markets at once.
If the reason is a condition, document the repair. If the reason does not match the property, document the property. A dated, verifiable record gives the next underwriter something other than the same third-party data to look at.
How Texas compares to the appeal-right states: the state-by-state tracker.
Sealed Home Record turns an hour of walking your property into a sealed, tamper-evident, date-verified photographic record with a certificate and a permanent verification link. In Texas that record has one job: proof of the home's actual condition that an independent agent can put in front of the next carrier's underwriter. It does not stop or reverse a nonrenewal, and Texas law offers no process that would.
$59 a year founding price until September 1, 2026, locked in for life. $69 a year after. One property, unlimited sealed captures.
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