Trusted Resource Underwriters Exchange submitted updates to its Texas homeowners rate and rule filing, introducing revised rating variables tied to roof characteristics, insurance risk scores, discounts, and coverage options. The filing was submitted on May 14, 2026, with requested effective dates of May 30, 2026, for new business and June 2, 2026, for renewals.

The filing is described as rate neutral overall, impacting approximately 7,070 policyholders and $23.9 million in written premium. While the statewide rate impact is listed at 0%, the filing shows individual policy changes ranging from a 36.9% decrease to a 46.4% increase.

Among the updates are expanded roof feature rating factors under Rule 374, which incorporate variables such as roof condition, roof geometry, roof facet count, roof discoloration, roof extension, and tree overhang. The filing includes thousands of rating combinations tied to these roof attributes.

The updated homeowners manual also references factors tied to insurance risk scores, responsible homeowner and motorist discounts, secure home discounts, solar panels, distance to water, and fire department characteristics. Additional endorsements include family cyber protection, service line coverage, equipment breakdown coverage, and limited slab and foundation coverage.

TRUE said insurance scores are retrieved at new business and every third term thereafter, with updated scores available upon request from the insured or agent, limited to once every 12 months.