HOW THE SB 458 APPRAISAL clause  WORKS

The SB 458 APPRAISAL CLAUSE and What it Means

Step 1 of sb 458 appraisal clause: Disagreement About Damage Value

The homeowner and insurer disagree on repair costs or scope.

Step 2: Appraisers Are Selected

Each side selects one appraiser.

Step 3: Damage Information Is Reviewed

Appraisers review:

• Inspections
• Photos
• Estimates
• Measurements

Step 4: Umpire Involvement (If Needed)

If appraisers disagree, a neutral umpire may help reach a final amount.

Step 5: Amount of Loss Is Determined

The goal is a final dollar amount for the damage.

Coverage decisions remain separate.

Compliance Notice

Educational information only. BestRecourse provides inspection, estimating, documentation, education, and appraisal services limited to the amount of loss. BestRecourse does not interpret policies, provide legal advice, or negotiate or settle insurance claims. For general consumer resources, homeowners may review information from the Texas Department of Insurance.