All Roll Calls
Yes: 404 • No: 19
TexasSB 45889th Legislature Regular SessionSenate
Relating to an appraisal process for disputed losses under personal automobile or residential property insurance policies.
Sponsored By: Jay Dean, Mary Ann Perez, Charles Schwertner (Republican)
Became Law
Insurance--Motor VehiclesInsurance--Property & CasualtyTaxation--Property-Appraisals & Appraisal DistrictsINSURANCE, COMMISSIONER OF
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Texas auto and home insurance appraisal rights
The law takes effect September 1, 2025. It requires appraisal clauses in covered Texas personal auto and residential property policies delivered, issued for delivery, or renewed beginning January 1, 2026. Covered insurers include stock, mutual, county mutual, farm mutual, Lloyd's plans, reciprocal exchanges, and the FAIR Plan Association. Eligible surplus lines insurers are covered when Texas is the insured person's home state. Commercial policies and Texas Windstorm Insurance Association policies are excluded. Appraisal settles only disputes about the amount of a loss; other policy terms stay unchanged. The loss amount binds you and your insurer, except for fraud, accident, a relevant material mistake, or an unauthorized award. Awards must substantially follow the policy's appraisal clause. The insurance commissioner can adopt rules on completion deadlines and required appraisals for total losses and property damage. In making those rules, the commissioner must consider appraiser and umpire qualifications and selection. Otherwise-compliant appraisal policy forms already in use on January 1, 2026, need no new filing solely because of this law.
Sponsors & Cosponsors
Sponsors
Jay Dean
House
Mary Ann Perez
House
Charles Schwertner
Republican • Senate
Cosponsors
César Blanco
Democratic • Senate
Bryan Hughes
Republican • Senate
Trey Martinez Fischer
House
Roll Call Votes
Senate vote • 5/26/2025
Record vote
Yes: 30 • No: 0
House vote • 5/20/2025
Record vote
Yes: 143 • No: 0
House vote • 5/19/2025
Record vote
Yes: 143 • No: 0
Senate vote • 4/9/2025
Record vote
Yes: 29 • No: 0
Senate vote • 4/9/2025
Record vote
Yes: 29 • No: 0
Senate vote • 4/9/2025
Record vote
Yes: 0 • No: 0
Senate vote • 4/9/2025
Record vote
Yes: 11 • No: 19
House vote • Unknown
Committee vote: Insurance
Yes: 8 • No: 0
Senate vote • Unknown
Committee vote: Business & Commerce
Yes: 11 • No: 0
Actions Timeline
Effective on 9/1/25
6/20/2025HouseFiled without the Governor's signature
6/20/2025HouseSent to the Governor
5/28/2025HouseSigned in the House
5/28/2025HouseSigned in the Senate
5/27/2025SenateReported enrolled
5/26/2025SenateSenate concurs in House amendment(s)-reported
5/26/2025HouseRecord vote
5/26/2025SenateSenate concurs in House amendment(s)
5/26/2025SenateRead
5/26/2025SenateHouse amendment(s) laid before the Senate
5/26/2025SenateHouse passage as amended reported
5/20/2025SenateRecord vote (RV#3006)
5/20/2025HousePassed
5/20/2025HouseRead 3rd time
5/20/2025HouseRecord vote (RV#2936)
5/19/2025HousePassed to 3rd reading
5/19/2025HouseRead 2nd time
5/19/2025HouseAdditional sponsor(s) authorized
5/19/2025HouseRules suspended
5/19/2025HousePlaced on General State Calendar
5/16/2025HouseConsidered in Calendars
5/14/2025HouseCommittee report sent to Calendars
5/10/2025HouseCommittee report distributed
5/10/2025HouseComte report filed with Committee Coordinator
5/9/2025House
Bill Text
Engrossed
Enrolled
House Committee Report
Introduced
Senate Committee Report
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