The Texas Department of Insurance announced it has adopted rules to implement Senate Bill 458, 89th Legislature, 2025.
The rule requires personal auto and home insurance policies in the state to have an appraisal provision. Appraisal is a necessary tool for insureds and insurers to resolve disputes over the amount of loss.
The rule sets time limits for appraisal and requirements on who can be involved. Insurers are also required to inform policyholders about the appraisal process when the insurer decides whether to pay a claim.
The TDI 2026 proposed and adopted rules page can be found here.
Ray Sugrim
Ray Sugrim is an Insurance Editor with FC&S Expert Coverage Interpretation, a division of National Underwriter Company and Arc Network. Ray is responsible for helping develop and edit content for subscribers. Ray is a St John’s University graduate with a degree in Risk Management & Insurance and is a CPCU candidate.