Relating to an appraisal process for disputed losses under personal automobile or residential property insurance policies.

HB 4570 creates a standardized appraisal process for resolving disputes over claim amounts under Texas personal auto or residential property insurance policies. The bill requires insurers to include specific appraisal provisions in these policies, mandating that disputes about loss value be resolved through a formal process overseen by the Insurance Commissioner. Key provisions include rules for appraiser independence, investigation timelines, and binding outcomes (except for fraud or material mistakes), applying only to policies delivered in Texas after January 1, 2026. This affects homeowners and auto policyholders who disagree with their insurer's valuation of damage.