Houston General Insurance Exchange ("Houston General") was found to be insolvent and placed into liquidation by the 98th Judicial District Court of Travis County, Texas on August 11, 2020. The ORDER APPOINTING LIQUIDATOR AND PERMANENT INJUNCTION may be viewed here. The liquidation order triggered TPCIGA's statutory obligations to Texas policyholders and claimants under TEX. INS. CODE chapter 462, known as the Guaranty Act. The liquidation will be administered by a Special Deputy Receiver appointed by the Texas Commissioner of Insurance.

The liquidation order permanently enjoins all persons, including policyholders and creditors, from instituting or further prosecuting any action against Houston General except within the liquidation proceedings. In addition, the Texas Guaranty Act imposes an automatic six-month stay of proceedings in any case in which Houston General was obligated to defend a party, effective until February 11, 2021.


The liquidation order cancels all in-force insurance policies as soon as they expire or are replaced, but in no event later than September 10, 2020, the thirtieth day following the effective date of the Order.  


Report any new claims to the Special Deputy Receiver at

TPCIGA is working with the SDR to arrange for transfer of the Texas claims to TPCIGA for handling. Policyholders and claimants are requested to forgo contacting TPCIGA on non-hardship matters for 4-6 weeks to allow sufficient time for the file transfer and initial review. TPCIGA will be unable to discuss the status of pending claims until the files have been transferred.  

If you have insurance through another carrier, including uninsured motorists' coverage or health insurance, that insurance is now primary, and you should contact your carrier to make a claim. All forms of other available insurance must be exhausted before TPCIGA can consider payment of your claim.  

If your vehicle needs repairs or is presently in the repair shop, and your claim is against an insured of Houston General, you should proceed under your own collision or uninsured motorist coverage and seek reimbursement of your deductible from TPCIGA. If you are an insured with a property damage claim and your car is undriveable and/or in the shop, we will attempt to prioritize your claim.



Litigation against Houston General is permanently enjoined by the liquidation order. Any pending lawsuit in which Houston General is obligated to defend a party is automatically stayed for a period of six months from the date of the liquidation order, or until February 11, 2021, pursuant to TEX. INS. CODE §462.309. The statute of limitations is not tolled by the automatic stay.


TPCIGA is not bound by a settlement or release entered into by Houston General or its insureds, and such a settlement is not evidence of liability or damages against TPCIGA or an insured. TEX. INS. CODE §462.303. TPCIGA is obligated to review all claims to determine the extent to which they may be payable under the Guaranty Act.



Claims for unearned premium will be processed as soon as possible after TPCIGA receives all necessary financial information from the SDR. It is not necessary to file a claim with TPCIGA for your unearned premium.


Global Hawk RRG is a risk retention group with common ownership to Houston General. It has been placed in liquidation in its home state of Vermont. As a risk retention group, Global Hawk RRG is not a member of the Guaranty Association and claims under its policies are not covered under the Guaranty Act. TPCIGA has no authority to defend or indemnify insureds of Global Hawk RRG. Please visit or call (802) 828-3302 for more information.


The Special Deputy Receiver ("SDR") for Houston General is Risk & Regulatory Consulting, LLC. You may email the SDR at, or visit its website at  

Information as of 09/15/2023

Houston General Insurance Exchange