In 2025, the Texas Legislature passed Senate Bill 458 (SB 458), 1 a significant reform aimed at protecting policyholders in disputes over insurance claims. This new law mandates that all personal auto and residential property insurance policies in Texas include […]
Tag: Appraisal
Don’t Like the Appraisal Award? Here’s Why That’s Not Enough to Avoid Its Finality
The recent decision in Briarwood Office Center II Condominium Association v. West Bend Mutual Insurance Company 1 highlights a critical lesson for anyone involved in the insurance appraisal process about the finality of an appraisal award. Allegations alone are not enough to […]
Appraisal Award Upheld for Amount Greater than Policyholder’s Original Proof of Loss
In a ruling issued today from Iowa, the court enforced an appraisal award issued in favor of homeowners Gregory and Karen Larson, who suffered hailstorm damage to their property in March 2023. The case, Larson v. Auto-Owners Insurance Company, 1 […]
Appraisal vs Coverage Dispute| Property Insurance Coverage Law Blog
Appraisals serve as a valuable mechanism for resolving disagreements over the amount of loss. However, as recently illustrated in the Texas case of Rocha v. State Farm Lloyds, 1 appraisals do not resolve all questions. Specifically, they do not determine […]
Should HOAs Take Out Construction Loans Just to Get Their Insurance Claim Paid?
Imagine your homeowners association gets walloped by a Minnesota hailstorm. Thirty-four buildings take a beating. You report the damage. Your insurer acknowledges it. You go through all the proper channels and even submit to the hallowed “appraisal process” designed to […]