2025 Insurance Industry Updates: What Policyholders Need to Know

The insurance landscape is changing—and fast. From rising premiums to tighter claim scrutiny, policyholders across Texas and the U.S. are seeing major shifts that could impact how and when they recover after a loss. At Marshall Adjusting Group, we stay ahead of the curve so you don’t have to. Here’s what’s happening in the industry and how it affects you.

First, expect premiums to continue rising through 2025. Due to record-setting weather events and inflation in construction costs, insurers are increasing rates across both commercial and residential lines. Some carriers are even pulling out of high-risk regions, limiting coverage options for property owners in areas like North Texas and the Gulf Coast. If your policy is renewing this year, now is the time to review your coverage and make sure your limits reflect true replacement costs.

Second, insurers are becoming more aggressive with claim denials and underpayments. Carriers are tightening policy language and delaying large-loss payouts, especially in cases involving fire, hail, and business interruption. We’re seeing more use of obscure exclusions, depreciation tactics, and engineering reports designed to minimize payouts. This makes having a public adjuster on your side not just helpful—but essential.

Finally, regulatory attention is increasing. States like Texas are reviewing legislation aimed at protecting consumers from unfair claims practices, while also cracking down on unlicensed adjusters and third-party claim consultants. This reinforces the importance of hiring a licensed, credentialed firm like Marshall Adjusting Group—one that understands both the letter of the law and the spirit of your policy.

The bottom line? The insurance industry is evolving to protect its bottom line. At Marshall Adjusting Group, we evolve with it—but we never forget who we work for: you. Whether you’re facing a new claim or just want to prepare for the unexpected, our team is ready to help you navigate the uncertainty with confidence and clarity.