Regular Session
Government Affairs & Regulatory Compliance Analysis
SB 458 mandates a binding appraisal process for disputed losses in personal automobile and residential property insurance, effectively removing insurer discretion to deny appraisal on "total loss" claims. This legislation requires all personal lines carriers—including County Mutuals and Surplus Lines—to revise policy forms and claims workflows to adhere to strict, state-defined timelines and appraiser qualifications by January 1, 2026.
Sen. Charles Schwertner·Senate Bill·Regular Session
This legislation has regulatory implications for the following Texas businesses and organizations:
Significant regulatory changes (effective 2025-09-01). Review with your legal and compliance teams to understand implications.
Affected business types:
Affected business types:
lowMinimal cost impact anticipated.
JD Key Consulting provides government affairs and regulatory strategy services. We help businesses navigate Texas agencies, understand legislative impacts, and advocate for their interests.
JD Key Consulting provides strategic guidance on Texas regulatory compliance and legislative impact for your business.
Key implementation requirements and action items for compliance with this legislation
The legislature has delegated the "mechanics" of this law to TDI. You must watch the *Texas Register* closely for the following undefined variables:
JD Key Consulting specializes in Texas regulatory compliance strategy. Work directly with James Dickey—former Chairman of the Republican Party of Texas—to understand this bill's impact on your operations and develop an actionable compliance plan.
Schedule a ConsultationInformation presented is for general knowledge only and is provided without warranty, express or implied. Consult qualified government affairs professionals and legal counsel before making compliance decisions.
This bill's path through the Texas Legislature
Explore more bills from this author and on related topics
Common questions about SB458
SB 458 mandates a binding appraisal process for disputed losses in personal automobile and residential property insurance, effectively removing insurer discretion to deny appraisal on "total loss" claims. This legislation requires all personal lines carriers—including County Mutuals and Surplus Lines—to revise policy forms and claims workflows to adhere to strict, state-defined timelines and appraiser qualifications by January 1, 2026.
SB458 was authored by Texas Senator Charles Schwertner during the Regular Session.
SB458 was signed into law by Governor Greg Abbott on June 20, 2025.
SB458 is enforced by Texas Department of Insurance.
The regulatory priority for SB458 is rated as "critical". Businesses and organizations should review the legislation to understand potential impacts.
The cost impact of SB458 is estimated as "low". This may vary based on industry and implementation requirements.
SB458 addresses topics including insurance, insurance--motor vehicles, insurance--property & casualty, insurance, commissioner of and taxation.
Key dates for SB458: Effective date is 2025-09-01. Rulemaking: Must adopt rules establishing deadlines for appraisal completion, mandating appraisals for total loss/damage, and considering appraiser/umpire qualifications. (Prior to January 1, 2026 (Implied)). Consult with legal counsel regarding applicability.
SB458 primarily affects insurance companies and financial institutions, property owners and real estate professionals. These businesses should review the legislation with their legal and compliance teams to understand potential impacts.
JD Key Consulting is an Austin, Texas-based government affairs firm led by James Dickey, former Chairman of the Republican Party of Texas. We specialize in Texas regulatory compliance and legislative strategy for data centers, energy, banking, and manufacturing.
