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State Farm Lloyds Compliance Verification Report (CVR)

ComplyTexas Regulatory Advisory
Flagged (Advisory)
State Farm Lloyds — Richardson, TX
Effective: 2025-10-20 · Expires: 2026-10-19
Serial: CTRA-2510-00001-7 ❌
Citation‑based advisory for public transparency. Not legal advice; not a regulator decision.
Reason (REG-COMPLAINTS-OPEN): Regulatory advisory: prompt‑pay timing, unfair‑settlement signals, TDI sanctions, and Texas precedent.
Level 4 — Critical (97/100)

ComplyTexas has requested the following consumer protection regulatory actions to the Texas Department of Insurance: 

If noncompliance verified, apply Ch. 84 administrative penalties and Ch. 82 corrective orders (consistent with 2023‑7843 posture).

1) ComplyTexas Riskometer™ (final): Level 4 – Critical (97/100)

Entity: State Farm Lloyds (Richardson, TX)

Status: Flagged (Advisory) • Effective: 2025‑10‑20 • Expires: 2026‑10‑19

 TDI 09‑0927 (rate refunds); TDI 2023‑7843 (prompt‑pay interest miscalc—restitution + penalty)

Regulatory Oversight: Texas Department of Insurance (primary)

What “Flagged (Advisory)” means

It’s a consumer‑protection signal.

A Flagged (Advisory) badge appears when ComplyTexas sees reliable, public‑source indicators of heightened regulatory risk around a company’s claims handling or compliance in Texas.

It is not a license revocation or final penalty.

The status is advisory and based on facts already in the public record—such as Texas Department of Insurance (TDI) orders/bulletins, published court rulings, and open complaint or inquiry activity—organized so you can act on it.

It is time‑boxed and reviewed.

Every advisory shows Effective and Expires dates. It can be updated, escalated, or lifted as facts change (for example, when TDI closes an inquiry or issues a new order).

What typically triggers a Flagged (Advisory)

A card is flagged when one or more of these official‑source conditions appear:

  • Open regulator inquiries / complaints that implicate statutory or rule‑based obligations.
  • Recent regulator actions (e.g., consent orders, penalties, cease‑and‑desist orders).
  • Binding or persuasive court rulings that identify practices inconsistent with law or rule (e.g., a ruling clarifying that paying a later award does not erase earlier timing obligations—this is a published Texas Supreme Court example).
  • Patterns of practice consistent with unfair, deceptive, or non‑compliant conduct in the relevant sector (based on adjudicated facts or regulator findings).
  • Procedural tactics that materially increase consumer cost or delay (as reflected in court orders or regulator reports).
  • Licensing or registration gaps (missing, expired, or restricted authority where one is required by law).
  • Data governance or safety lapses documented by regulators (e.g., data breach reports, OSHA/DSHS findings, etc.).
  • Procedural/venue tactics that raise consumer cost (e.g., removal gamesmanship) documented in court rulings.

How it gets removed or downgraded

Closed without adverse finding: If TDI closes the inquiry and there are no other active triggers, the advisory can be lifted at the next review cycle.

What it Means for Consumers

  • Keep everything in writing. Use email or letters for key submissions, ask the company to reply in writing, and save time‑stamped copies.
  • Submit a complete packet. Provide the documents the agency or company requires for your request to be “complete,” and keep a simple timeline (date sent, date acknowledged, date responded).
  • Know your timelines. Many sectors have response and decision deadlines (e.g., “acknowledge within X days,” “decide within Y days”). Note and calendar these.
  • Compare the response to the rule. If you receive a partial, verbal‑only, or delayed response where written or timely action is required by rule, note the date and content.
  • Escalate to the regulator listed on the card if published timelines are missed or the response doesn’t match the rule. Include your date‑stamped materials and timeline.
  • Watch the card. We update advisories as regulators issue new guidance, close inquiries, or post additional actions.
  • Watch the card. We update advisories as regulators issue new guidance, close inquiries, or post additional actions.

Important: ComplyTexas is not a regulator and does not provide legal advice. If you need guidance about your situation, consider contacting the relevant regulator  or a licensed Texas attorney.

  • Have a question about insurance? Call the Texas Department of Insurance at 800-252-3439 or visit  www.tdi.texas.gov.

CVR – Compliance Verification Report

When ComplyTexas builds a Riskometer or CVR, every point of risk must tie to an enforceable Texas Insurance Code obligation or an official regulatory finding by the Texas Department of Insurance (TDI) or a Texas or federal court.

Axis

Ins. Code Anchor 

Evidence

Points (0–5)

Prompt‑Payment (15/60‑day) 

§§ 542.056–.058, penalties § 542.060 

Barbara Technologies (TPPCA deadlines not tolled by appraisal); Alvarez (appraisal payment doesn’t bar TPPCA); Hinojos (partial payment ≠ compliance); Cox (W.D.Tex. 2023; written‑notice timing issues); Jordan (S.D.Tex. 2024; unilateral “interest” payment didn’t moot TPPCA) 

5

Unfair claim‑settlement / misrep. 

§ 541.060 / § 541.061 

 Hamilton (Dallas 2008—bad‑faith + mental anguish); Welch (S.D.Tex. 2025—pretextual expert report triable); Loyd verdict (2017‑CI‑10370)

4

Regulatory sanctions (orders) 

Chs. 82, 84, 801 

Serial: CTRA‑2510‑00001‑7 • Riskometer: 97/100 (Critical)

4

Procedural / venue abuse 

§ 541.060(a)(2)(A) unfair practices that raise consumer cost 

Saenz (S.D.Tex. 12/7/2021—court found double‑counted fees to force federal forum; remanded) 

4

Criminal / fraud scrutiny 

Oversight context (TDI complaints + DA PIU) with consumer‑ protection chapters 

Travis County DA – Public Integrity Unit (2012) Hurricane Ike investigation for allegedly falsifying documents and misleading regulators; matter (intersects TDI complaints)

4

Governance / rate compliance history 

Rate‑reg framework; certificate conditioned on compliance § 801.102 

Geeslin (Austin 2008—rate/constitutional context) 

2

Composite: 5 + 4 + 4 + 4 + 4 + 2 = 23/25 → 97/100 → Level 4 — Critical Consumer Risk
Regulator of record: Texas Department of Insurance (TDI).

How ComplyTexas selects regulations & sources (what “counts”)

Evidence set used:

  • TDI Commissioner’s Bulletin B‑0006‑22 (unfair claims settlement practices; prompt‑pay obligations).

Texas Supreme Court (binding precedent)

Federal cases in Texas (persuasive authority)

Each cited ruling or order is then mapped to a Code section (for example, § 542.056 – written notice deadlines; § 541.060 – good-faith settlement; § 84.021 – administrative penalties).

  • Newton (E.D. Tex. 2022) – factual issues on §542.058 timeliness around appraisal payment.
  • Saenz v. State Farm Lloyds (S.D. Tex. 2021) – amount‑in‑controversy inflation; court found double‑counted fees, remanded (venue manipulation that imposed higher consumer costs).

Regulatory Orders / Government Publications

Consumer Verdict / Bad-Faith Example

Our sources & verification

We use official, public sources and show them on every card:

  • TDI consent/disciplinary orders, bulletins, and posted guidance.
  • Texas Supreme Court/Courts of Appeals opinions and Texas federal orders relevant to Texas Insurance Code duties (such as Prompt‑Pay). For example, the Court has recognized that paying an appraisal award does not automatically bar Prompt‑Pay claims.
  • Dockets or filings that reflect regulator‑relevant conduct.

Transparency: If you see something inaccurate, use the “Request a Review/Correction” link on the card. Provide the document and page reference; we’ll verify against the public record and update the card if warranted.

ComplyTexas is an independent registry. We summarize public, official sources to help consumers and regulators spot potential compliance risk. This page is general information, not legal advice. For specific questions about your claim, consult the statute text, TDI guidance, or your own advisor.

Contact Texas Department of Insurance (TDI): https://www.tdi.texas.gov/consumer/get-help-with-an-insurance-complaint.html

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