# Texas SB 458: Relating to an appraisal process for disputed losses under personal automobile or residential property insurance policies. Texas SB 458, Relating to an appraisal process for disputed losses under personal automobile or residential property insurance policies., is a 89th Legislature Regular Session Senate bill sponsored by Jay Dean, Mary Ann Perez, Charles Schwertner (Republican); status became law, last action 2025-06-20 (Effective on 9/1/25) (as of 2026-10-19). - Canonical: https://policyrisk.com/state-bill/TX-SB458-89R - As of: 2026-10-19 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Texas SB 458 - State: Texas - Session: 89th Legislature Regular Session - Title: Relating to an appraisal process for disputed losses under personal automobile or residential property insurance policies. - Status: became law - Chamber: Senate - Introduced: 2024-11-22 - Last action: 2025-06-20, Effective on 9/1/25 - Sponsors: Jay Dean, Mary Ann Perez, Charles Schwertner (Republican) - Cosponsors: 3 - Subjects: Insurance--Motor Vehicles, Insurance--Property & Casualty, Taxation--Property-Appraisals & Appraisal Districts, INSURANCE, COMMISSIONER OF - Touches household money: no - Roll calls: 9 (404 yes, 19 no in all) - Economic provisions PRIA read: 1 ## Summary No summary available. ## Bill overview: provisions PRIA read - Texas auto and home insurance appraisal rights: benefit, low. 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… ## Sponsors and cosponsors - Sponsor: Jay Dean, House - Sponsor: Mary Ann Perez, House - Sponsor: Charles Schwertner (Republican), Senate - Cosponsor: César Blanco (Democratic), Senate - Cosponsor: Bryan Hughes (Republican), Senate - Cosponsor: Trey Martinez Fischer, House ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-05-26 | Senate | Record vote | pass | 30 | 0 | | | 2025-05-20 | House | Record vote | pass | 143 | 0 | | | 2025-05-19 | House | Record vote | pass | 143 | 0 | | | 2025-04-09 | Senate | Record vote | pass | 29 | 0 | | | 2025-04-09 | Senate | Record vote | pass | 29 | 0 | | | 2025-04-09 | Senate | Record vote | pass | | | | | 2025-04-09 | Senate | Record vote | pass | 11 | 19 | | | | House | Committee vote: Insurance | pass | 8 | 0 | | | | Senate | Committee vote: Business & Commerce | pass | 11 | 0 | | ## Actions (65) - 2025-06-20: Effective on 9/1/25 (House) - 2025-06-20: Filed without the Governor's signature (House) - 2025-05-28: Sent to the Governor (House) - 2025-05-28: Signed in the House (House) - 2025-05-27: Signed in the Senate (Senate) - 2025-05-26: Reported enrolled (Senate) - 2025-05-26: Senate concurs in House amendment(s)-reported (House) - 2025-05-26: Record vote (Senate) - 2025-05-26: Senate concurs in House amendment(s) (Senate) - 2025-05-26: Read (Senate) - 2025-05-26: House amendment(s) laid before the Senate (Senate) - 2025-05-20: House passage as amended reported (Senate) - 2025-05-20: Record vote (RV#3006) (House) - 2025-05-20: Passed (House) - 2025-05-20: Read 3rd time (House) - 2025-05-19: Record vote (RV#2936) (House) - 2025-05-19: Passed to 3rd reading (House) - 2025-05-19: Read 2nd time (House) - 2025-05-19: Additional sponsor(s) authorized (House) - 2025-05-19: Rules suspended (House) - 2025-05-16: Placed on General State Calendar (House) - 2025-05-14: Considered in Calendars (House) - 2025-05-10: Committee report sent to Calendars (House) - 2025-05-10: Committee report distributed (House) - 2025-05-09: Comte report filed with Committee Coordinator (House) - 2025-05-05: Reported favorably as substituted (House) - 2025-05-05: Committee substitute considered in committee (House) - 2025-05-05: Considered in formal meeting (House) - 2025-04-23: Left pending in committee (House) - 2025-04-23: Testimony taken/registration(s) recorded in committee (House) - 2025-04-23: Considered in public hearing (House) - 2025-04-23: Scheduled for public hearing on . . . (House) - 2025-04-22: Posting rule suspended (House) - 2025-04-17: Referred to Insurance (House) - 2025-04-17: Read first time (House) - 2025-04-10: Received from the Senate (House) - 2025-04-09: Reported engrossed (Senate) - 2025-04-09: Record vote (Senate) - 2025-04-09: Passed (Senate) - 2025-04-09: Read 3rd time (Senate) - 2025-04-09: Record vote (Senate) - 2025-04-09: Three day rule suspended (Senate) - 2025-04-09: Record vote (Senate) - 2025-04-09: Passed to engrossment (Senate) - 2025-04-09: Record vote (Senate) - 2025-04-09: Amendment fails of adoption (Senate) - 2025-04-09: Amendment(s) offered (FA1 Gutierrez) (Senate) - 2025-04-09: Read 2nd time (Senate) - 2025-04-09: Vote recorded in Journal (Senate) - 2025-04-09: Rules suspended-Regular order of business (Senate) - 2025-04-09: Co-author authorized (Senate) - 2025-04-07: Placed on intent calendar (Senate) - 2025-04-02: Committee report printed and distributed (Senate) - 2025-04-02: Recommended for local & uncontested calendar (Senate) - 2025-04-02: Reported favorably as substituted (Senate) - 2025-04-01: Vote taken in committee (Senate) - 2025-04-01: Considered in public hearing (Senate) - 2025-03-27: Left pending in committee (Senate) - 2025-03-27: Testimony taken in committee (Senate) - 2025-03-27: Considered in public hearing (Senate) - 2025-03-27: Scheduled for public hearing on . . . (Senate) - 2025-02-03: Referred to Business & Commerce (Senate) - 2025-02-03: Read first time (Senate) - 2024-11-22: Filed (Senate) - 2024-11-22: Received by the Secretary of the Senate (Senate) ## Bill text - Engrossed: [HTML](http://capitol.texas.gov/tlodocs/89R/billtext/html/SB00458E.HTM), [PDF](http://capitol.texas.gov/tlodocs/89R/billtext/pdf/SB00458E.PDF) - Enrolled: [HTML](http://capitol.texas.gov/tlodocs/89R/billtext/html/SB00458F.HTM), [PDF](http://capitol.texas.gov/tlodocs/89R/billtext/pdf/SB00458F.PDF) - House Committee Report: [HTML](http://capitol.texas.gov/tlodocs/89R/billtext/html/SB00458H.HTM), [PDF](http://capitol.texas.gov/tlodocs/89R/billtext/pdf/SB00458H.PDF) - Introduced: [HTML](http://capitol.texas.gov/tlodocs/89R/billtext/html/SB00458I.HTM), [PDF](http://capitol.texas.gov/tlodocs/89R/billtext/pdf/SB00458I.PDF) - Senate Committee Report: [HTML](http://capitol.texas.gov/tlodocs/89R/billtext/html/SB00458S.HTM), [PDF](http://capitol.texas.gov/tlodocs/89R/billtext/pdf/SB00458S.PDF) ## Related bills - SB 2111: Relating to legal representation of indigent persons in this state and to proceedings before a magistrate including the appointment of counsel for an indigent… (vetoed) - SB 1838: Relating to the appointment of attorneys ad litem and the compensation of certain attorneys ad litem in suits affecting the parent-child relationship filed by… (vetoed) - SB 3: Relating to the regulation of products derived from hemp, including consumable hemp products and the hemp-derived cannabinoids contained in those products; req… (vetoed) - SB 2878: Relating to the operation and administration of and practices and procedures related to proceedings in the judicial branch of state government, including court… (vetoed) - SB 646: Relating to repayment of certain mental health professional education loans. (signed) - HB 4325: Relating to civil liability for prohibited barratry. (became law) ## Sources - [Engrossed (HTML)](http://capitol.texas.gov/tlodocs/89R/billtext/html/SB00458E.HTM) - [Engrossed (PDF)](http://capitol.texas.gov/tlodocs/89R/billtext/pdf/SB00458E.PDF) - [Enrolled (HTML)](http://capitol.texas.gov/tlodocs/89R/billtext/html/SB00458F.HTM) - [Enrolled (PDF)](http://capitol.texas.gov/tlodocs/89R/billtext/pdf/SB00458F.PDF) - [House Committee Report (HTML)](http://capitol.texas.gov/tlodocs/89R/billtext/html/SB00458H.HTM) - [House Committee Report (PDF)](http://capitol.texas.gov/tlodocs/89R/billtext/pdf/SB00458H.PDF) - [Introduced (HTML)](http://capitol.texas.gov/tlodocs/89R/billtext/html/SB00458I.HTM) - [Introduced (PDF)](http://capitol.texas.gov/tlodocs/89R/billtext/pdf/SB00458I.PDF) - [Senate Committee Report (HTML)](http://capitol.texas.gov/tlodocs/89R/billtext/html/SB00458S.HTM) - [Senate Committee Report (PDF)](http://capitol.texas.gov/tlodocs/89R/billtext/pdf/SB00458S.PDF) ## Related - [SB 2111: Relating to legal representation of indigent persons in this state and to proce…](https://policyrisk.com/state-bill/TX-SB2111-89R) - [SB 1838: Relating to the appointment of attorneys ad litem and the compensation of certa…](https://policyrisk.com/state-bill/TX-SB1838-89R) - [SB 3: Relating to the regulation of products derived from hemp, including consumable…](https://policyrisk.com/state-bill/TX-SB3-89R) - [SB 2878: Relating to the operation and administration of and practices and procedures re…](https://policyrisk.com/state-bill/TX-SB2878-89R) - [SB 646: Relating to repayment of certain mental health professional education loans.](https://policyrisk.com/state-bill/TX-SB646-89R) - [HB 4325: Relating to civil liability for prohibited barratry.](https://policyrisk.com/state-bill/TX-HB4325-89R) - [Texas bills](https://policyrisk.com/states/texas/bills) - [Texas state hub](https://policyrisk.com/states/texas) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/TX-SB458-89R (as of 2026-10-19).