TX HB4569

Requires all personal automobile insurance policies in Texas to include a standardized appraisal procedure for resolving disputed loss amounts

Allows either the insurer or insured to demand an appraisal within 90 days after the insurer accepts liability and issues an undisputed liability offer, with each party appointing an unbiased appraiser within 15 days

Establishes a 30-day timeline for appraisers to agree on the loss amount; if they cannot agree, an umpire is selected to make a binding determination within an additional 30 days

Requires each party to pay its own appraiser's fees, but shifts costs if the final appraisal differs by more than 10% from the insurer's last offer—insurer pays the insured's appraiser costs if the award is higher, and vice versa

Applies to insurance policies delivered, issued, or renewed on or after January 1, 2026, with the act taking effect September 1, 2025