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Texas Senate Bill 458: Carriers Now Required to Include Appraisal Clause in Home & Auto Policies

Texas Senate Bill 458 insurance policy with required appraisal clause language

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…

Joelord
October 18, 2025

News, Useful

The Cost of Rebuilding: Why Your Insurance Settlement May Already Be Outdated

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…

Joelord
January 18, 2025

News, Useful

Why the Insurance Appraisal Process Matters (And What Every Homeowner Should Know)

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…

Joelord
February 18, 2024

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