Relating to the right of an insured to enter into a contract with a public insurance adjuster.

HB 3001 allows property insurance policyholders (homeowners and businesses) to directly hire public insurance adjusters to represent them after a loss, without restrictions from certain existing insurance code provisions. The bill amends Texas Insurance Code Section 4102.007(a) to explicitly apply to all major insurance company types, including mutual, farm mutual, and Lloyd's plans. This change gives insureds more choice in who handles their insurance claims, particularly for property damage. The law takes effect September 1, 2025, and directly affects anyone with a commercial or residential property insurance policy in Texas.