TX Property & Casualty case studies
TX Property & Casualty · Put your knowledge to work in context.
The Texas Property & Casualty agent license - often called the Texas General Lines Property & Casualty license - is the credential a person needs to sell, solicit, and negotiate property and casualty insurance products in Texas. It is issued and regulated by the Texas Department of Insurance, which also licenses adjusters, handles agent and adjuster applications and renewals, and publishes consumer guidance on home, auto, and health coverage. The TX Property & Casualty case studies are 5 cases and about 3,988 words.
1The February Cancellation and the Slow-Moving Claim
Maria owns a home in Waco insured under a Texas HO-3 with a 5,000 deductible, a 300,000 Coverage A limit, and an annual term running July 1 to July 1. She missed a 460 installment.
768 words, about 4 min2The Warehouse That Was Cut to Fit the Premium
Ravi owns a 40-year-old warehouse in Dallas insured on a commercial property form: building limit 600,000, 80% coinsurance, replacement cost on the building, 5,000 deductible, and a replacement cost value of 1,000,000 at the time of loss. A July 4 electrical fire caused 200,000 in replacement cost damage; the actual cash value of that damage is 150,000.
748 words, about 4 min3The Weeping Supply Line
Andre and Lisa own a 1998 home in Houston insured on a Texas HO-3: Coverage A 300,000, mold remediation sublimited at 10,000, additional living expense at 30% of Coverage A, ordinance or law at 10% of Coverage A, and a 2,500 deductible. A copper supply line behind the master-bath wall had been weeping for months; Lisa noticed a stain in January and did nothing.
843 words, about 4 min4Kyle, the Unlisted Driver, and a 30/60/25 Policy
Kyle, 22, lives with his parents and drives the family's 2019 pickup, insured on a Texas personal auto policy with limits of 30/60/25, PIP, and no driver exclusion endorsement. Kyle is not listed as a driver because his father never told the agent he had moved back home.
791 words, about 4 min5Defective Waterproofing, a Certificate, and a Tender
Rio Grande Builders (RGB) completed a 40-unit condominium in San Antonio in 2023. Its CGL is an occurrence form with 1,000,000 each occurrence, a 2,000,000 general aggregate, and a 1,000,000 products-completed operations aggregate.
838 words, about 4 min