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Bill Summary · HB 345

Legislative bill overview

HB 345 establishes procedures for resolving disputes between homeowners and insurance companies over property damage valuations through an appraisal process in Texas. The bill modifies how residential property insurance claims disagreements are handled when insurers and policyholders cannot agree on the cost of repairs or replacement after a loss.

Why is this important

Homeowners facing significant damage claims often clash with insurers over repair cost estimates, sometimes resulting in underpayment for legitimate claims. A structured appraisal process provides an alternative to litigation, potentially saving time and money while ensuring disputes are resolved by neutral third parties rather than in courts. This directly affects how quickly Texans can rebuild after disasters like storms or fires.

Potential points of contention

  • Insurance industry concerns: Insurers may argue that formal appraisal requirements increase claims processing costs and timelines, potentially raising premiums for consumers
  • Scope of appraisal authority: Disagreement over whether appraisers can consider policy exclusions and deductibles, or only property damage valuation itself
  • Appraiser selection and qualifications: Questions about who selects neutral appraisers, their expertise requirements, and whether binding arbitration follows if appraisals disagree

Compiled from official sources — confirm details with the bill’s official record.

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