The Texas Department of Insurance has detailed new rules for resolving disputes over personal auto and residential property insurance losses through a binding appraisal process. Policyholders or insurers can request appraisal without permission, with strict deadlines: one year for residential and 120 days for auto claims. Appraisers must agree within set timeframes or an umpire is appointed. The process aims to be faster and cheaper than litigation, increasing transparency and accountability but may raise costs for insurers. Implementation starts January 2026.
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