TX SB369

Requires all personal automobile insurance policies in Texas to include a standardized appraisal procedure for 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 determine loss amounts, with an umpire selected if they cannot agree; the determination by both appraisers or one appraiser and the umpire is binding

Creates fee-shifting provisions where the insurer must reimburse the insured's appraiser costs if the final award exceeds the insurer's last offer by more than 10%, and the insured must pay the insurer's appraiser costs if the award is more than 10% below the last offer

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