Company FAQ

How do I create a new HelpInsure account?

  1. Go to helpinsure.com/portal/login.
  2. Click “Request a new account.”
  3. Enter your name, work email, and password.
  4. Enter the TDI EID numbers and/or MGA numbers of the insurers you manage.
  5. Click the “Request Account” button.

When your account is approved, we will send you an email letting you know when your account is active.

Who do I contact if I want to check on account approval or have other questions?

Email DataCall@tdi.texas.gov.

I forgot my account password. How do I reset it?

To reset your password, email DataCall@tdi.texas.gov from the same email address you used to register your account. We will reply to your email with a new password for your account.

I am required to submit only auto data. However, I would like to voluntarily submit residential data. How can I add these submissions to my account?

  1. After you log in, click on your company name.
  2. In the light blue “Residential” box, click on the small white box.

Wait several seconds for this action to process and then:

  • The Residential box will turn dark blue and the boxes for residential sample rates, policy details, and credit score information will appear towards the bottom of the screen.
  • The “Residential insurance info for consumers” under the “Contact information” section will also become editable.

How do I submit the sample rates for my company?

(Note: You can add files to the system even if you do not have all required sample rates ready.)

Submit sample rates by:

  1. Clicking on the “Upload/view files” button.
  2. Click on the “Choose File” button under “Auto” or “Residential.” This will open your computer’s file folder.
  3. After you upload your files to the portal, you will see the name of your file next to the “Choose File” button.
  4. Click the “Upload” button to lock-in the file you uploaded.
  5. After all required sample rate files have been locked-in, you will see and can click on the “Submit Files for Approval” button.

It can take 24 to 48 hours for the uploaded file to process. When it’s complete, we will send an email asking you to review and certify your data.

What do I do if the sample rates for my company have been rejected?

If we reject your sample rates, we will send you an error log document. That document will describe what needs to be corrected. After you correct the sample rate files, resubmit them through the HelpInsure portal.

The sample rates for my company have been posted to www.HelpInsure.com. What should I do if I have found an error in one of my rate files?  

Email DataCall@tdi.texas.gov for instructions on how to submit corrected sample rate files.

What do I do if the policy details and/or credit sections have been rejected?

If TDI rejects your entries in the policy details or credit sections, we will send you an email from DataCall@tdi.texas.gov. The email will describe what needs to be corrected within those sections. If you have any questions, reply to our email.

My company is no longer writing new business in Texas for private auto or residential property. How do I notify TDI?

Send an email to DataCall@tdi.texas.gov and let us know which companies are no longer writing new private auto or residential property business in Texas.

Is this data call applicable to non-admitted (surplus lines) companies?

No. Non-admitted (surplus lines) companies should not respond to the HelpInsure data call.

For the personal auto sample rates, are there specific UMBI, PIP, Med Pay, Comprehensive, or Collision amounts that should be used when rating the requested scenarios?

No. For the personal auto sample rates, we need only bodily injury and property damage liability coverages. Sample rates for other auto coverages are not required.

If a company accepts a minimum Coverage C limit of $30,000 on a renter’s policy, can we rate a $30,000 Coverage C policy instead of the $25,000 Coverage C called for in the rating samples?

If your rating plan has a rate for the $25,000 coverage, report that rate. If your rating plan does not have a rate for the $25,000 coverage, leave that field blank because there is nothing applicable to report.

A company must report a “record” for each representative ZIP code for this data call. However, the field where the premium is reported may be empty if the company does not have a rate for a particular coverage specified in the instructions.

If a company does not offer a wind/hail exclusion for HO 00 04 and HO 00 06 in the second set of samples required, should they input zeros or handle another way?

A company should report a “record” for each representative ZIP code for this data call. However, the field where the premium is reported may be empty if the company does not have a rate for a particular coverage specified in the instructions.

If the company does not offer a wind/hail exclusion in the 42 ZIP codes in the coastal counties and the portion of Harris County designated as a catastrophe area, the fields where the premium is reported for these profiles should be empty. Do not enter zeros or “n/a.”

The Commissioner’s Bulletin for the data call says, “The insurer is in one of the top-25 national groups, has more than $1 million in direct written premium in Texas, and issues and processes business through a nonaffiliated company (for example, a county mutual).” In our case, it is our Managing General Agent (MGA) writing through a county mutual. The reporting burden in our situation is through the insurer. Additionally, how will that appear on the website? Under the county mutual’s name or the insurer’s name?

For national insurers writing through an MGA and a county mutual, the reporting burden is on the national insurer. The name of the county mutual and the MGA will appear on the www.HelpInsure.com result pages.

My company uses a credit score in combination with other factors to rate a policy. What should I do?

TDI understands that many companies use a credit score as just one of several attributes in overall tier selection; that is, they define “risk” as the full set of attributes, not just the credit score. Insurers should look at only the credit score for this data call. The data call asks only for rates for above-average, average, and below-average credit scores.

In the record layout Excel spreadsheet, are the profiles specified in each row intended to be column or row headings?

The items in Column B of the record layout Excel file (Record Layout and ZIP code lists – HelpInsure Data Call.xlsx) are column headings. The record layout is a guide, or template, to develop the sample rates for each of the more than 300 ZIP codes. Please do not submit the data in an Excel spreadsheet.

Should the ZIP code and county be listed in the output file?

Yes. Each record in the data file includes the sample rates for one ZIP code and county code combination.

A record begins with the company’s TDI number, followed by the MGA number (if applicable), file type, file subtype, effective date, ZIP code, and county code.

Texas county names and codes are listed with the ZIP codes in the tabs labeled “Selected ZIPs” in the Record Layout and ZIP code lists –HelpInsure Data Call.xlsx file.

Be sure to use the ZIP code and county code table provided by TDI. The position of each ZIP code/county code combination is critical to ensure that a company’s sample rate data loads successfully into TDI’s database.

If a ZIP code returns two or more territory codes in my company’s system, how should this be reported?

This example assumes that a company has a ZIP code that is subdivided within a county. For example, two cities within the same ZIP code/within the same county have different rates. In this case, the company should select the portion of the ZIP code with the majority or the highest percentage of the business written for the company.

What goes in the field at the end of the record for the “Total”?

In this field, enter a total for all the sample rate values in the record. TDI will use it as a checksum field to verify all the data in a record was received and loaded correctly.