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Bill

SB 2978

Relating to presuit notice associated with certain insurance claims for property damage.

89th Legislature (2025) Introduced by Kelly Hancock

SB 2978 modifies pre-suit notice requirements for Texas property damage insurance claims, adjusting procedural rules before policyholders can file lawsuits against insurers.

Referred to Business & Commerce
#insurance--property&casualty(i0442)
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WeVote Research Nonpartisan
Bill Summary · SB 2978

Legislative bill overview

SB 2978 modifies Texas requirements for pre-suit notice procedures that property owners must follow before filing lawsuits against insurance companies for property damage claims. The bill specifically addresses what information must be included in these notices and the timeline for insurers to respond before litigation begins.

Why is this important

Pre-suit notice requirements significantly impact property damage claims by creating procedural hurdles that can delay homeowners and businesses from pursuing legal action against insurers. Changes to these requirements affect the balance of power between insureds and insurance companies, potentially influencing settlement negotiations, litigation costs, and access to courts for dispute resolution.

Potential points of contention

  • Insurer protections vs. policyholder access: The bill may either strengthen insurers' ability to resolve claims early (protecting them from litigation costs) or burden policyholders with additional procedural requirements before accessing courts
  • Notice requirements complexity: Disputes likely exist over what constitutes adequate pre-suit notice—stricter requirements favor insurers, while streamlined procedures favor claimants
  • Timeline implications: Changes to response deadlines affect how quickly disputes can move toward resolution or litigation, impacting all parties' planning and costs

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

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