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Bill would require insurers to provide written reasons for declination, cancellation or nonrenewal; industry asks for clarifications

2491406 · March 4, 2025
AI-Generated Content: All content on this page was generated by AI to highlight key points from the meeting. For complete details and context, we recommend watching the full video. so we can fix them.

Summary

Senate Bill 1006 would require insurers to provide written explanations to policyholders and applicants when coverage is declined, canceled or not renewed. Consumer groups and AARP supported the measure for transparency; trade associations sought clarifications about declinations, electronic delivery and workers' compensation.

Sen. Milton presented Senate Bill 1006, a Texas Department of Insurance (TDI) recommendation that would require insurers to provide a written statement explaining the precise incident, circumstance or risk factors relied on when an insurer declines, cancels or does not renew coverage. The statement would also have to identify the sources of information the insurer used and any other information the commissioner considers relevant.

Supporters said the change would improve transparency for consumers—particularly older Texans—who may not check electronic notices and who benefit from a written record they can…

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