Texas Insurance Expert Witness — David A. Offutt
David A. Offutt is a licensed Texas insurance professional retained as an expert witness in insurance litigation for both plaintiff and defense counsel. His analysis is grounded in 20 years of active practice, graduate-level economics training, and direct knowledge of Texas insurance statutes — not secondhand recollection of a career left behind.
Analyst, not advocate. David’s role is to provide objective, evidence-based opinions on insurance industry standards, policy interpretation, and carrier and agent conduct. He does not take sides. He takes a position based on the facts, the policy, and the law.
Qualifications
| Credential | Detail |
|---|---|
| Texas Insurance License | License #1465807 – Active since 2007 (20 years continuous practice) |
| Graduate Education | MS in Economics, University of North Texas |
| Undergraduate Education | BS in Economics, University of Texas at Arlington |
| Published Author | Understanding Insurance in Simple English (Amazon) |
| Textbook Author | Authored Texas insurance licensing exam prep textbooks in active use statewide |
| CE Educator & Founder | Founded Texas Real Estate Academy – TREC-approved continuing education provider |
| Active Production | Writing Texas insurance policies today – current, not historical, market knowledge |
| Industry Reach | Nearly 3,000 realtor referrals over career |
Areas of Expert Analysis
David A. Offutt provides expert witness services across the core categories of Texas insurance litigation. Learn more on the Bad Faith Claims page or the About David page.
Bad Faith & Hail/Storm Claims
Texas led the nation with 1,123 hail events in 2023. Storm-related bad faith is the most active area of Texas insurance litigation. David analyzes carrier conduct under TX Insurance Code §541 and §542 — including the timeliness of investigations, the adequacy of denial letters, and whether payment decisions reflected industry-standard practice.
Coverage Disputes – Policy Interpretation
Policy language disputes require someone who has spent 20 years reading, explaining, and placing insurance policies professionally. David provides opinions on scope of coverage, exclusion applicability, and endorsement conflicts. He can explain complex policy terms clearly to a judge or jury.
Agent/Broker Errors & Omissions – Standard of Care
David’s most distinctive lane. Most insurance experts come from the carrier or adjuster side. David comes from the agent side — he is actively writing policies today. He opines on what a reasonably prudent Texas insurance agent should have done at point of sale.
Homeowner Claims – Fire, Water, and Wind
Fire, water, and wind claims generate the largest volume of homeowner insurance disputes in Texas. David analyzes these cases from both ends of the transaction: the policy as sold and placed, and the claim as handled by the carrier.
Auto Insurance – UM/UIM Disputes
Uninsured and underinsured motorist disputes frequently turn on policy language, coverage stacking questions, and the adequacy of the insurer’s pre-litigation settlement offer. David analyzes whether the coverage placed was appropriate and whether the carrier’s position was consistent with Texas law.
The Agent Perspective
Most insurance expert witnesses in Texas come from one of three backgrounds: former adjusters, former carrier executives, or consultants who left active practice years ago. Their expertise concentrates at the claims end of the transaction.
David A. Offutt’s background is different. He is an active, producing Texas insurance agent. He writes policies. He sits across from policyholders and explains what they are and are not buying. He knows what a reasonably prudent Texas agent is trained to do, expected to do, and required to do — at the moment of sale, before any claim exists.
That perspective is genuinely rare in the Texas expert witness market. It is the foundation of some of David’s most distinctive opinions.
Retain David A. Offutt
David A. Offutt accepts retention by plaintiff and defense counsel in Texas insurance litigation. All inquiries are handled directly and confidentially.
- Describe the case type and the specific expert opinion you need
- Confirm jurisdiction (Texas state court, federal court, or arbitration)
- Provide your timeline for initial report delivery if known
Contact David A. Offutt directly to discuss retention.