HB 2518 Texas House · 89th Legislature (2025)

Relating to the use of installment premium payment plans on Texas Windstorm Insurance Association policies.

HB 2518 prohibits third-party premium financing arrangements for Texas Windstorm Insurance Association (TWIA) policies, requiring policyholders to use installment payment plans directly through TWIA at no additional cost. It applies to all TWIA policies issued or renewed on or after January 1, 2026, and became effective September 1, 2025. The bill directly affects Texas homeowners and property owners insured through TWIA who previously relied on third-party financing options. This change eliminates fees associated with external premium financing by mandating that TWIA provide its own no-cost installment plans.

Bill status signed all 5 stages cleared

Introduction

Mar 2025

Committee Review

May 2025

House Passage

May 2025

Senate Passage

May 2025

Signed into Law

Jun 2025

Introduced Mar 17, 2025 Signed Jun 22, 2025

Maddy AI version diff · 2 comparisons

What changed between versions

Engrossed → Enrolled · 3 edits · May 27, 2025

MINOR

The bill text was formatted and finalized for enrollment, with minor formatting adjustments and the addition of certification signatures from legislative officers. The substantive policy content regarding installment payment plans for Texas Windstorm Insurance Association policies remains unchanged.

TECHNICAL

Header information was updated to reflect the enrolled version with bill number 89(R) and proper formatting

Added certification statements from the House and Senate clerks confirming passage dates and vote counts

Added signature lines for the President of the Senate, Speaker of the House, Secretary of the Senate, and Governor

Floor votes · House May 1, 2025

How they voted

This bill passed the Senate by voice vote (no roll call recorded).

Full legislative history

Actions timeline

Total actions

Key actions

Committee

May 27, 2025

Upper · Passed

Signed in the Senate

upper

May 27, 2025

Lower · Passed

Signed in the House

lower

May 25, 2025

Lower · Passed

Senate passage reported

lower

May 25, 2025

Upper · Passed

Passed

upper

May 20, 2025

Upper · Passed

Committee report printed and distributed

upper

May 20, 2025

Upper · Passed

Reported favorably w/o amendments

upper

May 20, 2025

Upper · Passed

Vote taken in committee

upper

May 15, 2025

Upper · Passed

Left pending in committee

upper

May 5, 2025

Committee

Referred to Business & Commerce

upper

May 5, 2025

Introduced

Read first time

upper

May 5, 2025

Introduced

Received from the House

upper

May 2, 2025

Lower · Passed

Passed

lower

May 1, 2025

Lower · Passed

Passed to engrossment

lower

Apr 22, 2025

Lower · Passed

Committee report sent to Calendars

lower

Apr 17, 2025

Lower · Passed

Committee report distributed

lower

Apr 9, 2025

Lower · Passed

Reported favorably w/o amendment(s)

lower

Apr 2, 2025

Lower · Passed

Left pending in committee

lower

Apr 2, 2025

Lower · Passed

Testimony taken/registration(s) recorded in committee

lower

Mar 17, 2025

Committee

Referred to Insurance

lower

Mar 17, 2025

Introduced

Read first time

lower

3 primary · 2 co-sponsors