--- title: "ReAlign Insurance Holdings Review [Updated 2026]" description: "ReAlign Insurance Holdings operates three specialty property insurance carriers—National Summit, American Summit, and Summit Specialty—with A.M. Best A (Excellent) ratings but mixed customer reviews." canonical: "https://www.coveragecat.com/reviews/realign-insurance" last-updated: "2026-08-13" --- # ReAlign Insurance Holdings Review [Updated 2026] ReAlign Insurance Holdings operates three specialty property insurance carriers that target underserved markets across the United States. The Dallas-based company formed in January 2020 through an acquisition of two established carriers [(LinkedIn, "ReAlign Insurance Holdings, Inc.", 2026)](https://www.linkedin.com/company/realigninsurance). Private equity firm McCarthy Capital backs ReAlign, which runs National Summit Insurance Company, American Summit Insurance Company, and Summit Specialty Insurance Company [(McCarthy Capital, "ReAlign Insurance Holdings", 2026)](https://www.mccarthycapital.com/portfolio/realign-insurance-holdings/). As of October 2024, the company reached approximately $35 million in annual revenue while employing roughly 109 people across three continents [(LeadIQ, "ReAlign Insurance Holdings, Inc. Company Overview", 2024)](https://leadiq.com/c/realign-insurance-holdings-inc/5a1d9b6723000054008ace16). All three carriers hold an A.M. Best Financial Strength Rating of A (Excellent), though A.M. Best revised the outlook to negative from stable in 2023 due to concerns over unfavorable operating performance [(AM Best, "AM Best Revises Outlooks to Negative for Members of ReAlign Insurance Group", 2023)](https://news.ambest.com/NewsContent.aspx?refnum=252611). Customer reviews reveal a more complicated picture, with significant complaints about claims handling balanced against some positive experiences. The company also faces regulatory scrutiny after settling a 2022 Texas Department of Insurance enforcement action that resulted in a $75,000 administrative penalty for violations including unlicensed adjusters and improper claims handling [(Texas Department of Insurance, "Consent Order No. 2022-7246 - National Summit Insurance Company", 2022)](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20227246.pdf). ## What Kinds of Insurance Does ReAlign Insurance Holdings Offer? ReAlign Insurance Holdings specializes in personal property insurance through its three subsidiary carriers. The company claims to operate through a network of more than 4,200 agents and holds licenses in over 30 states [(LinkedIn, "ReAlign Insurance Holdings, Inc.", 2026)](https://www.linkedin.com/company/realigninsurance). National Summit Insurance Company and American Summit Insurance Company are both admitted carriers domiciled in Texas [(ReAlign Insurance Holdings, "Our Subsidiaries", 2022)](https://realigninsurance.com/our-businesses/). These carriers target property and casualty insurance for low-value dwellings and manufactured homes. Summit Specialty Insurance Company operates as a non-admitted surplus lines carrier domiciled in Nebraska [Ibid.](https://realigninsurance.com/our-businesses/). The company's primary products include: - [Homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) for primary residences - [Condo insurance](https://www.coveragecat.com/insurance-types/condo-insurance) for unit owners - Landlord policies for rental properties - Coverage for manufactured homes - Fire and flood protection - Seasonal and vacation [home insurance](https://www.coveragecat.com/insurance-types/home) The company traces its roots to 1948 and built its reputation in specialty personal property insurance [Ibid.](https://realigninsurance.com/our-businesses/). The carriers now work with program administrators to deliver insurance solutions across dozens of states. ## Does ReAlign Sell Homeowners Insurance? Yes, [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) represents a core product for ReAlign's carriers. American Summit Insurance Company covers single-family homes, townhomes, condos, manufactured homes, and older homes with updates [(Learn and Serve, "American Summit Insurance Company 2025 Contact Info", 2025)](https://learnandserve.org/american-summit-insurance-company/). The standard homeowners policy provides broad coverage for primary residences. Protection extends to property damage, theft, fire, and natural disasters [(Premier Choice Insurance, "American Summit", 2025)](https://premierchoiceaz.com/our-insurance-carriers/american-summit/). Policy coverage includes the dwelling structure, personal property, and liability protection. American Summit's policies include several coverage options: - **Standard homeowners coverage** for primary residences with comprehensive protection - **Condo policies** that cover unit interiors and personal property - **Landlord policies** that protect rental dwellings with loss of rent options - **Manufactured home coverage** for mobile and modular homes The company emphasizes competitive pricing and customer satisfaction in the homeowners market [Ibid.](https://premierchoiceaz.com/our-insurance-carriers/american-summit/). Available discounts include multi-policy, protective devices, new roof, claims-free history, paperless billing, and electronic funds transfer [(Learn and Serve, "American Summit Insurance Company 2025 Contact Info", 2025)](https://learnandserve.org/american-summit-insurance-company/). ## Does ReAlign Sell Auto Insurance? American Summit Insurance Company does not write [auto insurance](https://www.coveragecat.com/insurance-types/car-insurance) policies directly. The company partners with other carriers to place auto coverage for customers [Ibid.](https://learnandserve.org/american-summit-insurance-company/). This approach allows customers to bundle home and auto coverage through their agent while American Summit focuses on property insurance. The parent company ReAlign Insurance Holdings does offer commercial auto insurance through its program business [(ReAlign Insurance Holdings, "Our Programs", 2022)](https://realigninsurance.com/our-programs/). However, this commercial coverage falls outside the scope of personal lines insurance products. ## Does ReAlign Sell Umbrella Insurance? The company offers excess liability insurance through its program operations [Ibid.](https://realigninsurance.com/our-programs/). This coverage provides additional liability protection beyond standard policy limits. Specific details about personal [umbrella insurance](https://www.coveragecat.com/insurance-types/umbrella-insurance) availability and coverage limits are not publicly disclosed on the company website. Customers interested in umbrella coverage should contact a ReAlign agent directly to discuss available options and eligibility requirements. ## How Does ReAlign Insurance Holdings Work? ReAlign operates as a holding company for three distinct insurance carriers. ReAlign Capital Strategies, LLC formed the company in partnership with Align Financial Holdings, LLC and private investors in January 2020 [(LinkedIn, "ReAlign Insurance Holdings, Inc.", 2026)](https://www.linkedin.com/company/realigninsurance). Later that year, the company acquired National Lloyds Corporation and American Summit Insurance Company from Hilltop Holdings in a $154.1 million transaction that closed in July 2020 [(SEC / Hilltop Holdings, "Hilltop Holdings Inc. Completes Sale of National Lloyds Corporation to Align Financial Holdings, LLC", 2020)](https://www.sec.gov/Archives/edgar/data/1265131/000110465920079798/tm2023975d1_ex99-1.htm). The transaction included gross proceeds of approximately $154.1 million to Hilltop, with National Lloyds described as a specialty property insurer primarily serving owners of lower value homes and mobile homes [Ibid.](https://www.sec.gov/Archives/edgar/data/1265131/000110465920079798/tm2023975d1_ex99-1.htm). The organizational structure includes: 1. **ReAlign Insurance Holdings, LLC** - The parent holding company 2. **National Summit Insurance Company** - Admitted carrier in Texas, formerly National Lloyds Insurance Company 3. **American Summit Insurance Company** - Admitted carrier in Texas 4. **Summit Specialty Insurance Company** - Surplus lines carrier in Nebraska National Lloyds Insurance Company rebranded as National Summit Insurance Company in January 2021 after converting from a Texas Lloyds Plan company to a capital stock insurance company [(Business Wire, "National Lloyds Insurance Company Rebrands as National Summit Insurance Company", 2021)](https://www.businesswire.com/news/home/20210105005535/en/National-Lloyds-Insurance-Company-Rebrands-as-National-Summit-Insurance-Company). ReAlign launched Summit Specialty Insurance Company in October 2020 as a new surplus lines carrier [(Business Wire, "ReAlign Insurance Holdings Launches Surplus Lines Insurance Company", 2020)](https://www.businesswire.com/news/home/20201029005464/en/ReAlign-Insurance-Holdings-Launches-Surplus-Lines-Insurance-Company). The carrier received regulatory approvals to operate and began underwriting activity in late 2020 under the leadership of Timothy McAuliffe, a former Ironshore and AIG specialty casualty executive [(Insurance Journal, "ReAlign Insurance Launches Summit Specialty Insurance in Nebraska", 2020)](https://www.insurancejournal.com/news/midwest/2020/10/29/588725.htm). | Carrier | Domicile | Carrier Type | Primary Market Focus | |---------|----------|-------------|---------------------| | National Summit Insurance Company | Texas | Admitted | Low-value dwellings across 24 states | | American Summit Insurance Company | Texas | Admitted | Manufactured homes (majority in Arizona) | | Summit Specialty Insurance Company | Nebraska | Non-admitted surplus lines | Specialty property risks | ### Getting a Quote Customers obtain quotes through ReAlign's network of independent agents. The company does not offer direct-to-consumer sales through its website. Prospective policyholders must contact one of the 4,000-plus independent agents who represent the carriers [(LinkedIn, "ReAlign Insurance Holdings, Inc.", 2026)](https://www.linkedin.com/company/realigninsurance). ### Purchasing a Policy Once an agent provides a quote, customers can purchase coverage through that same agent. The process requires standard underwriting information: property details, prior insurance history, and coverage preferences. Policies may be issued by National Summit, American Summit, or Summit Specialty depending on the specific coverage needs and state requirements. ### Managing Your Policy Policyholders can contact their agent or the carrier directly for policy service needs. The main customer service number is 1-800-749-6419 [(ReAlign Insurance Holdings, "Contact Us", 2025)](https://realigninsurance.com/contact-us/). Company headquarters sits at 325 N. St. Paul Street Suite 900, Dallas, Texas 75201 [(A.M. Best, "National Summit Insurance Company - Company Profile", 2026)](https://ratings.ambest.com/CompanyProfile.aspx?ambnum=3238&AltNum=13833238). ## Pros and Cons of ReAlign Insurance Holdings
### Pros - **Strong financial ratings**: All three carriers hold A.M. Best A (Excellent) ratings, though with negative outlooks as of 2023 (AM Best, "AM Best Revises Outlooks to Negative for Members of ReAlign Insurance Group", 2023) - **Extensive agent network**: The company claims more than 4,200 independent agents represent the carriers across the United States (LinkedIn, "ReAlign Insurance Holdings, Inc.", 2026) - **Broad state availability**: Licensed or authorized to operate in 49 states according to company materials (ReAlign Insurance Holdings, "Our Subsidiaries", 2022) - **Specialty market focus**: Targets underserved markets including low-value dwellings and manufactured homes (SEC / Hilltop Holdings, "Hilltop Holdings Inc. Completes Sale of National Lloyds Corporation to Align Financial Holdings, LLC", 2020) - **Multiple discount options**: Offers discounts for bundling, protective devices, new roofs, claims-free history, and payment methods (Learn and Serve, "American Summit Insurance Company 2025 Contact Info", 2025) - **Established track record**: A.M. Best has tracked National Summit since 1972 (A.M. Best, "National Summit Insurance Company - Company Profile", 2026)
### Cons - **Poor BBB rating**: American Summit has a D rating from BBB due to failure to respond to complaints (Better Business Bureau, "American Summit Insurance", 2026) - **Regulatory enforcement history**: Texas Department of Insurance issued a $75,000 penalty in 2022 for violations including unlicensed adjusters and improper claims handling (Texas Department of Insurance, "Consent Order No. 2022-7246 - National Summit Insurance Company", 2022) - **Claims handling complaints**: Multiple customers report denied claims and poor communication during the claims process (Yelp, "AMERICAN SUMMIT INSURANCE - Updated August 2025", 2025) - **Limited direct customer service**: No online quote system or direct-to-consumer sales options - **Customer service accessibility issues**: Reviews cite difficulty reaching representatives by phone (Better Business Bureau, "American Summit Insurance", 2026) - **No auto insurance**: Customers must use partner carriers for vehicle coverage (Learn and Serve, "American Summit Insurance Company 2025 Contact Info", 2025)
## Ratings and Customer Feedback ReAlign Insurance Holdings and its subsidiary carriers receive mixed ratings across different evaluation platforms. The financial strength ratings from A.M. Best contrast sharply with customer satisfaction scores. | Rating Source | Rating | Notes | |--------------|--------|-------| | A.M. Best (Financial Strength) | A (Excellent) | All three carriers: National Summit, American Summit, and Summit Specialty. AM Best affirmed the Financial Strength Rating (FSR) of A (Excellent) with outlooks revised to negative from stable. [(AM Best, "AM Best Revises Outlooks to Negative for Members of ReAlign Insurance Group", 2023)](https://news.ambest.com/NewsContent.aspx?refnum=252611) | | A.M. Best (Outlook) | Negative | Management addresses volatility through rate increases, aggressive re-underwriting, non-renewing risks in certain territories, and increasing mandatory deductibles in weather-prone areas. Failure to execute on strategic plans could result in downward revision of operating performance assessment. [Ibid.](https://news.ambest.com/NewsContent.aspx?refnum=252611) | | Demotech | Not available | American Summit Insurance Company appears in Demotech's database but no Financial Stability Rating is displayed. [(Demotech, "AMERICAN SUMMIT INSURANCE COMPANY", 2025)](https://www.demotech.com/company/19623/) | | NAIC Complaint Index | Not available | NAIC complaint index data for American Summit and National Summit is not publicly accessible through search; Missouri Department of Insurance shows this company does not have any complaint information recorded. [(Missouri DOI, "american summit insurance company", 2025)](https://insurance.mo.gov/CompanyAgentSearch/CompanySearch/compSearchDetails.php?id=44996839) | | Yelp (Scottsdale) | 5 reviews | Multiple negative reviews stating "Worst home insurance ever. Would not recommend to anyone!" [(Yelp, "AMERICAN SUMMIT INSURANCE - Updated August 2025", 2025)](https://www.yelp.com/biz/american-summit-insurance-scottsdale) | | Yelp (Waco) | 1 star | American Summit Insurance has 1 stars based on reviews in Waco location. [(Yelp, "AMERICAN SUMMIT INSURANCE - Waco, Texas", 2018)](https://www.yelp.com/biz/american-summit-insurance-waco) | | Google Maps | Not available | No Google Maps reviews found for ReAlign Insurance Holdings headquarters | | Trustpilot | Not available | ReAlign Insurance Holdings and its carriers do not have a Trustpilot profile | | Better Business Bureau (American Summit) | D | D rating with failure to respond to 1 complaint filed against business and 5 complaints filed against business total. Not BBB Accredited. [(Better Business Bureau, "American Summit Insurance", 2026)](https://www.bbb.org/us/tx/dallas/profile/insurance-agency/realign-insurance-holdings-0875-91341966) | | Better Business Bureau (National Summit) | Not Accredited | Not BBB Accredited. Multiple customer complaints about claims handling. [(Better Business Bureau, "National Summit Insurance Company", 2026)](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/national-summit-insurance-company-0875-90939503) | National Summit holds an AM Best Rating of "A (Excellent)", Size Category VIII (approximately $100M-250M) with Negative financial outlook as of October 15, 2024 [(Insurox, "National Summit", 2025)](https://www.insurox.com/about-insurox/partners/national-summit/). A.M. Best has provided ratings and analysis on National Summit since 1972 [(A.M. Best, "National Summit Insurance Company - Company Profile", 2026)](https://ratings.ambest.com/CompanyProfile.aspx?ambnum=3238&AltNum=13833238). ## Real Customer Reviews Customer experiences with ReAlign's carriers vary significantly. Here are representative reviews from verified sources:
**Negative Experience - Claims Denial** "Worst home insurance ever. Would not recommend to anyone! Will not be renewing when my coverage - which by the way was paid in full - is up!" **Rating:** ★☆☆☆☆ **Source:** [(Yelp, "AMERICAN SUMMIT INSURANCE - Updated August 2025", 2025)](https://www.yelp.com/biz/american-summit-insurance-scottsdale)
**Positive Experience - Quick Service** "When I called to make my claim I spoke with a claim representative and gave all the info to them and had an appointment with an adjuster with-in hours. I was contacted by that person and the communication thru the entire process was excellent." **Rating:** ★★★★★ **Source:** [(VHomeInsurance.com, "American Summit Insurance Home Insurance Ratings & Reviews", 2025)](https://vhomeinsurance.com/american-summit-insurance-reviews/)
**Negative Experience - Coverage Cancellation** "This company does not answer the phone cancels my insurance not one claim in over 10 years with them" **Rating:** Not specified **Source:** [(Better Business Bureau, "American Summit Insurance", 2026)](https://www.bbb.org/us/tx/dallas/profile/insurance-agency/realign-insurance-holdings-0875-91341966)
**Positive Experience - Water Damage Claim** "We had a water damage claim a few years back and the process from my first phone call to the end was excellent." **Rating:** ★★★★★ **Source:** [(VHomeInsurance.com, "American Summit Insurance Home Insurance Ratings & Reviews", 2025)](https://vhomeinsurance.com/american-summit-insurance-reviews/)
**Negative Experience - Historical Claim Issue** "National Summit Insurance Company is bad business, after been a loyal customer for 7 years with them, they denied my 2025 claim based on a 2016 [issue]." **Rating:** Not specified **Source:** [(Better Business Bureau, "National Summit Insurance Company", 2026)](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/national-summit-insurance-company-0875-90939503)
**Negative Experience - Coverage Changes** "Upon my first renewal, they seductively deleted 'water damage' from my coverage, yet instead of crediting me the cost, they cleverly increased the rate, hoping I was too stupid to notice. This year, one day after my renewal payment was received, they canceled more of my coverage." **Rating:** ★☆☆☆☆ **Source:** [(Yelp, "AMERICAN SUMMIT INSURANCE - Waco, Texas", 2018)](https://www.yelp.com/biz/american-summit-insurance-waco)
## Get Customer Support or File a Claim Customers can reach ReAlign's carriers through several contact methods: **Phone Support:** - Main customer service: 1-800-749-6419 - Claims: 254-730-9800 - General office: (469) 357-9300 **Mailing Address:** ReAlign Insurance Holdings 325 N. St. Paul Street, Suite 900 Dallas, TX 75201 **Alternative Address:** P.O. Box 132580 Dallas, TX 75313 [(ReAlign Insurance Holdings, "Our Subsidiaries", 2022)](https://realigninsurance.com/our-businesses/) [(ZoomInfo, "ReAlign Insurance Holdings - Overview...", 2025)](https://www.zoominfo.com/c/realign-insurance-holdings-llc/556892228) To file a claim, policyholders can call 1-800-749-6419 between 8 a.m. and 6 p.m. CST, Monday through Friday, or fax details to 254-730-9800 [(ReAlign Insurance Holdings, "Contact Us", 2025)](https://realigninsurance.com/contact-us/). Have your policy number and details about the loss ready when you call. ## Frequently Asked Questions **What states does ReAlign Insurance operate in?** ReAlign Insurance Holdings operates through carriers licensed or authorized in 49 states according to company materials [(ReAlign Insurance Holdings, "Our Subsidiaries", 2022)](https://realigninsurance.com/our-businesses/). National Summit Insurance Company was licensed in 24 states at the time of its 2021 rebrand [(Business Wire, "National Lloyds Insurance Company Rebrands as National Summit Insurance Company", 2021)](https://www.businesswire.com/news/home/20210105005535/en/National-Lloyds-Insurance-Company-Rebrands-as-National-Summit-Insurance-Company), while the surplus lines carrier Summit Specialty has broader authorization [(Insurance Journal, "National Lloyds in Texas Rebrands as National Summit Insurance", 2021)](https://www.insurancejournal.com/news/southcentral/2021/01/05/596193.htm). **Is ReAlign Insurance financially stable?** All three ReAlign carriers hold A.M. Best Financial Strength Ratings of A (Excellent), though A.M. Best revised the outlook to negative from stable in 2023 [(AM Best, "AM Best Revises Outlooks to Negative for Members of ReAlign Insurance Group", 2023)](https://news.ambest.com/NewsContent.aspx?refnum=252611). This rating indicates excellent ability to meet ongoing insurance obligations, though the company faces operating performance challenges. Management addresses volatility through rate increases, aggressive re-underwriting, non-renewing risks in certain territories, and increasing mandatory deductibles in weather-prone areas [Ibid.](https://news.ambest.com/NewsContent.aspx?refnum=252611). A.M. Best has tracked National Summit since 1972 [(A.M. Best, "National Summit Insurance Company - Company Profile", 2026)](https://ratings.ambest.com/CompanyProfile.aspx?ambnum=3238&AltNum=13833238). **Who owns ReAlign Insurance Holdings?** McCarthy Capital, a Nebraska-based private equity firm, owns ReAlign Insurance Holdings [(McCarthy Capital, "ReAlign Insurance Holdings", 2026)](https://www.mccarthycapital.com/portfolio/realign-insurance-holdings/). A.M. Best identifies McCarthy Group, LLC as the ultimate parent company [(A.M. Best, "National Summit Insurance Company - Company Profile", 2026)](https://ratings.ambest.com/CompanyProfile.aspx?ambnum=3238&AltNum=13833238). **Does ReAlign offer online quotes?** No, ReAlign does not provide direct-to-consumer sales or online quotes. Customers must work with one of the company's 4,000-plus independent agents to obtain quotes and purchase policies [(LinkedIn, "ReAlign Insurance Holdings, Inc.", 2026)](https://www.linkedin.com/company/realigninsurance). **What is the difference between National Summit and American Summit?** Both National Summit Insurance Company and American Summit Insurance Company are admitted carriers domiciled in Texas that write property and casualty insurance [(ReAlign Insurance Holdings, "Our Subsidiaries", 2022)](https://realigninsurance.com/our-businesses/). American Summit focuses primarily on the manufactured home market with the majority of business in Arizona. National Summit operates more broadly across 24 states [(Insurance Journal, "National Lloyds in Texas Rebrands as National Summit Insurance", 2021)](https://www.insurancejournal.com/news/southcentral/2021/01/05/596193.htm). **How long does ReAlign take to process claims?** Specific claims processing timelines are not publicly disclosed. Customer reviews show mixed experiences, with some praising quick adjuster appointments within hours [(VHomeInsurance.com, "American Summit Insurance Home Insurance Ratings & Reviews", 2025)](https://vhomeinsurance.com/american-summit-insurance-reviews/), while others report waiting over five weeks for claim decisions [(Yelp, "AMERICAN SUMMIT INSURANCE - Updated August 2025", 2025)](https://www.yelp.com/biz/american-summit-insurance-scottsdale). However, the company faced regulatory action in 2022 for failing to pay claims timely and failing to adopt reasonable standards for prompt investigation [(Texas Department of Insurance, "Consent Order No. 2022-7246 - National Summit Insurance Company", 2022)](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20227246.pdf). **What discounts does American Summit offer?** American Summit Insurance Company offers discounts for multi-policy bundling, protective devices, new roofs, claims-free history, paperless billing, and electronic funds transfer [(Learn and Serve, "American Summit Insurance Company 2025 Contact Info", 2025)](https://learnandserve.org/american-summit-insurance-company/). Specific discount percentages vary by state and individual circumstances. **Who is Summit Specialty Insurance Company?** Summit Specialty Insurance Company is a surplus lines carrier formed by ReAlign in October 2020 and domiciled in Nebraska [(Business Wire, "ReAlign Insurance Holdings Launches Surplus Lines Insurance Company", 2020)](https://www.businesswire.com/news/home/20201029005464/en/ReAlign-Insurance-Holdings-Launches-Surplus-Lines-Insurance-Company). Led by Timothy McAuliffe, a former Ironshore and AIG executive, the carrier writes non-admitted business and holds an A.M. Best Financial Strength Rating of A (Excellent) [(Insurance Journal, "ReAlign Insurance Launches Summit Specialty Insurance in Nebraska", 2020)](https://www.insurancejournal.com/news/midwest/2020/10/29/588725.htm). **Has ReAlign Insurance had any regulatory issues?** Yes, in 2022 the Texas Department of Insurance issued Consent Order No. 2022-7246 against National Summit Insurance Company, requiring the carrier to pay a $75,000 administrative penalty [(Texas Department of Insurance, "Consent Order No. 2022-7246 - National Summit Insurance Company", 2022)](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20227246.pdf). The order followed a market conduct examination that found violations including allowing individuals to act as adjusters without holding a license, failing to adopt reasonable standards for prompt investigation of claims, failing to attempt in good faith to effect prompt, fair, and equitable settlement of claims, and failing to pay claims timely [Ibid.](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20227246.pdf).