The Texas Department of Insurance issued several bulletins recently, providing guidance to insurance carriers on what is and isn't allowed after a natural disaster like Hurricane Harvey.

The 'Hailstorm Bill,' goes into effect on Friday and reduces the 18% penalty insurers pay for unlawfully delaying or denying 'forces of nature' claims down to about 10%.

Flooding is making it hard for insurance companies and agencies to function in the areas most affected by Hurricane Harvey.

Since Harvey smashed ashore, rain and flooding have taken over as the main threat from the strongest storm to hit the U.S. since 2004.