Roger D. Higgins provides representation and counsel to the insurance industry on a broad range of matters, including coverage and extra-contractual litigation, prosecution of arson and fraud defenses, market conduct exams, and reinsurance disputes. He has served as lead counsel in numerous high-profile trials, arbitrations, class actions, and regulatory and enforcement proceedings and has provided counsel and representation to insurers responding to natural and man-made disasters and catastrophes.

Roger is recognized in Chambers USA as a Leading Lawyer in America for Insurance and named to Texas Super Lawyer list by Law & Politics.

Roger is an active and experienced trial and appellate lawyer who has tried lawsuits and handled appeals throughout Texas. He served as the chairperson of Thompson Coe’s Insurance Litigation & Coverage group from 1989-2004. In 2005, he joined the firm’s Management Committee.

Representative Experience

  • Served as lead counsel on over 1000 lawsuits involving hurricane, flood and wind storm losses.
  • Represented over 100 insurers in retaliatory premium tax refund class action.
  • Represented defendants in over 50 class actions.
  • Frequently represented insurers in enforcement and consumer protection proceedings brought by the Texas Attorney General or Texas Department of Insurance.
  • Represented major insurers in arbitrations involving insurance claims, insurance claims procedures or reinsurance.
  • Tried numerous arson and fraud cases through jury verdict.
  • Represented insurers in judicial and regulatory proceedings involving premium, rates and policy forms.
  • Represented insurer in action brought by Attorney General seeking to expand additional living expense coverage after Hurricane Rita.
  • Defended insurers in diminished value class action.
  • Represented insurers in receivership proceedings.
  • Represented insurers in disputes involving managing general agencies, reinsurers and third party administrators.
  • Represented insurer in case applying “filed rate doctrine” to class action challenging reasonableness of premium and rates.


  • University of Illinois College of Law  (J.D., 1982)
  • University of Illinois  (B.A., 1979)
    • cum laude
    • distinction in economics
    • Phi Beta Kappa

Bar Admissions

  • Texas, 1983
  • Illinois, 1982

Court Admissions

  • United States District Court, Northern District of Texas
  • United States District Court, Southern District of Texas
  • United States District Court, Eastern District of Texas
  • United States District Court, Western District of Texas
  • United States Court of Appeals, Fifth Circuit

Professional Recognition

  • Texas Board of Legal Specialization, board-certified in Civil Trial Law, 1992
  • Texas Board of Legal Specialization, board-certified in Civil Appellate Law, 1992
  • Chambers USA, Top Insurance Firm, Texas 2004-2020
  • Chambers USA, Leading Lawyers in America for Insurance in Texas, 2003-2020
  • “AV” Peer Review Rated by Martindale Hubble.
  • Texas Super Lawyers list
    • Insurance Coverage, Class Action/Mass Torts, Appellate; 2003-2021
  • Chambers USA, Band 4 for Insurance in Texas, 2021

Professional and Community Activities

  • American Bar Association

Speeches and Presentations

  • 2019, Thompson Coe CE/CLE: Update on Storm Litigation: Hurricane Harvey and Chapter 542A, and Current Challenges to the Appraisal Process
  • "Prompt Payment of Claims" Thompson Coe's 11th Seminar on Texas Insurance Law Developments, October 25,
  • "Hurricane Litigation After Mediation Fails" Panel Discussion, Thompson Coe's 9th Seminar on Texas Insurance Law Developments, May 6, 2010
  • Panel Discussion, Handling Hurricane Ike Claims, Texas Insurance and Tort Law Update 2009, Thompson Coe Houston Seminar (2009)
  • The Spoliation Doctrine: An Overview for the 2009 Annual Training Conference for the International Association of Arson Investigators (IAAI) in Arlington, Texas on May 2009
  • Property Insurance Issues After a Hurricane Loss, Thompson Coe’s Sixth Annual Seminar on Texas Insurance Law Developments 2006
  • So You Believe It Was Arson—Now What?, Thompson Coe’s Seventh Annual Seminar on Texas Insurance Law Developments 2007
  • Handling Catastrophe Claims in Texas, Thompson Coe’s Eighth Annual Seminar on Texas Insurance Law Developments 2008