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
Recent court opinions mentioning State Farm
- Sproull v. State Farm Fire and Casualty Co.Illinois Supreme Court · 2021-09-23
- Sproull v. State Farm Fire & Casualty Co.Appellate Court of Illinois · 2020-07-24
- Stuart Ex Rel. Situated v. State Farm Fire & Cas. Co.Court of Appeals for the Eighth Circuit · 2018-12-06
- Mitchell v. State Farm Fire & Cas. Co.District Court, N.D. Mississippi · 2018-09-24
- Jessica Clippinger v. State Farm Auto. Ins. Co.Court of Appeals for the Sixth Circuit · 2026-04-24
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