Relating to an appraisal procedure for disputed losses under personal automobile insurance policies.

HB 4569 requires personal auto insurance policies in Texas to include a standardized appraisal process for resolving disputes over claim amounts. It mandates that insurers and policyholders must follow specific steps: demanding appraisal within 90 days of liability acceptance, appointing unbiased appraisers within 15 days, and resolving disagreements through an umpire if needed within 30 days. The bill includes a key fee mechanism where if the final appraisal amount differs by more than 10% from the insurer’s last offer, the party responsible for the larger payment must reimburse the other party’s reasonable appraisal costs. This applies to policies delivered, issued, or renewed on or after January 1, 2026, with the law taking effect September 1, 2025.