All Roll Calls
Yes: 624 • No: 4
TexasHB 206789th Legislature Regular SessionHouse
Relating to declination, cancellation, or nonrenewal of insurance policies.
Sponsored By: Giovanni Capriglione, Mayes Middleton (Republican), Dennis Paul
Signed by Governor
Insurance--Insurers & AgentsInsurance--Property & CasualtyEMAIL & ELECTRONIC COMMUNICATIONSINSURANCE, COMMISSIONER OFINSURANCE, TEXAS DEPARTMENT OF
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Bill Overview
Analyzed Economic Effects
3 provisions identified: 3 benefits, 0 costs, 0 mixed.
Written reasons for insurance denials and cancellations
For covered insurance, insurers must give written reasons when they deny a completed, submitted application, cancel coverage, or refuse renewal. Applicants and policyholders do not have to ask for the explanation. Notices and reasons must meet state legal requirements; electronic delivery is allowed under the state's electronic notice rules. The changes cover applications made or policies delivered, issued for delivery, or renewed on or after January 1, 2026. Earlier applications and policies follow prior law.
Written denial notices for business insurance applicants
Insurers must send or mail written notice when they deny a completed, submitted liability or commercial property insurance application. For commercial insurance, the notice goes to the applicant's agent. The agent must tell the applicant about the denial and make the notice available for review. The changes cover applications made or policies delivered, issued for delivery, or renewed on or after January 1, 2026. Earlier applications and policies follow prior law.
Texas expands insurance oversight and public reporting
The Texas insurance commissioner can adopt and enforce rules, including notices, for denials of completed applications, cancellations, and nonrenewals. This authority covers insurance regulated under Chapters 5, 1804, 1805, 2171, or 2301, or Title 10, Subtitles C–F. Insurers must report their reasons at least quarterly, using the commissioner's required format. The insurance department must post combined summaries by ZIP code without naming insurers; workers' compensation reports and summaries are statewide. The changes cover applications made or policies delivered, issued for delivery, or renewed on or after January 1, 2026. Earlier applications and policies follow prior law.
Sponsors & Cosponsors
Sponsors
Giovanni Capriglione
House
Mayes Middleton
Republican • Senate
Dennis Paul
House
Cosponsors
Briscoe Cain
House
Juan "Chuy" Hinojosa
Democratic • Senate
Christina Morales
House
Mihaela Plesa
House
Roll Call Votes
House vote • 5/31/2025
Record vote
Yes: 128 • No: 0
Senate vote • 5/31/2025
Record vote
Yes: 0 • No: 0
Senate vote • 5/25/2025
Record vote
Yes: 31 • No: 0
Senate vote • 5/25/2025
Record vote
Yes: 31 • No: 0
House vote • 4/25/2025
Record vote
Yes: 123 • No: 2
House vote • 4/24/2025
Record vote
Yes: 146 • No: 1
House vote • 4/24/2025
Record vote
Yes: 145 • No: 1
House vote • Unknown
Committee vote: Insurance
Yes: 9 • No: 0
Senate vote • Unknown
Committee vote: Business & Commerce
Yes: 11 • No: 0
Actions Timeline
Effective on 1/1/26
6/20/2025HouseSigned by the Governor
6/20/2025HouseSent to the Governor
6/2/2025HouseSigned in the Senate
6/1/2025SenateSigned in the House
6/1/2025HouseReported enrolled
5/31/2025HouseSenate adopts conf. comm. report-reported
5/31/2025HouseRecord vote
5/31/2025SenateSenate adopts conference committee report
5/31/2025SenateHouse adopts conf. comm. report-reported
5/31/2025SenateStatement(s) of vote recorded in Journal
5/31/2025HouseRecord vote (RV#4110)
5/31/2025HouseHouse adopts conference committee report
5/31/2025HouseConf. Comm. Report distributed
5/30/2025HouseConference committee report filed
5/30/2025SenateSenate appoints conferees-reported
5/29/2025HouseSenate grants request for conf comm-reported
5/29/2025HouseSenate appoints conferees
5/29/2025SenateSenate grants request for conference comm.
5/29/2025SenateHouse appoints conferees-reported
5/29/2025SenateHouse requests conference committee-reported
5/29/2025SenateHouse refuses to concur-reported
5/29/2025SenateHouse appoints conferees
5/29/2025HouseHouse requests conference committee
5/29/2025HouseHouse refuses to concur in Senate amendments
5/29/2025House
Bill Text
Engrossed
Enrolled
House Committee Report
Introduced
Senate Committee Report
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