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Texas Department of Insurance
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House Bill 1774

We’ve received questions about House Bill 1774 from the last regular session. The legislation does not change how you file a claim or how your insurer will process your claim. Contact your insurance agent or company to file a claim.

For more on the claims filing process, visit Steps to getting your home or car insurance claim paid.

House Bill 1774:

  • Does not apply to claims with the Texas Windstorm Insurance Association (TWIA).
  • Does not apply to claims with the National Flood Insurance Program (NFIP).
  • Applies to claims made under an insurance policy providing coverage for real property, such as homes and other buildings. The legislation also applies to claims made under the Fair Access to Insurance Requirements (FAIR) Plan Association.
  • Requires policyholders to provide notice before filing a lawsuit. The legislation also makes changes to the requirements for inspections related to a lawsuit, recovering attorney’s fees, and statutory penalty interest.
Last updated: 1/31/2024