When a Texas homeowner files a roof damage claim, the insurance company typically requires an independent appraisal before approving settlement. Understanding this critical step can mean the difference between a fair payout and leaving thousands of dollars on the table.…
A clear, honest breakdown of how the appraisal clause works — from invoking your right to a binding award — and what it means for your claim. When you and your insurance company can’t agree on the amount of a…
Texas policyholders just gained a powerful new protection. In 2025, the Texas Legislature passed Senate Bill 458 (SB 458), landmark legislation that requires all personal auto and residential property insurance carriers to include a mandatory appraisal clause in their policies…
What’s Changed in 5 Years Construction and restoration costs have surged 30–60% since 2020 — and in many markets, even more. A job that cost $150 per square foot to restore in 2019 regularly runs $220 or higher today. The…
If you’ve recently filed a property damage claim and your insurance company offered you a settlement that felt too low, you’re not alone. Thousands of Texas homeowners find themselves in this exact situation every year — and most don’t know…
If you’re navigating a disputed insurance claim in Texas, you’ve likely heard the term “Appraisal.” But while most people understand what an appraiser does, the role of the Umpire often remains a mystery. When two appraisers (one for the policyholder…