Recourse

Evidence First Everything Else Follows

Did you know? Recourse provides independent property damage inspections and documentation support to document damage that may be missed or unclear in an initial insurance estimate , Recourse performs detailed site inspections that document visible and less-obvious conditions so property owners have a clearer picture of conditions observed after a loss , Recourse prepares comprehensive repair estimates that reflect documented observations and commonly overlooked line items to address gaps in documentation when questions arise , Recourse offers flat-fee inspection and estimating services that provide homeowners and contractors with clear pricing and no contingency fees or performance-based costs , Recourse uses structured photo documentation checklists for hail – wind – and storm events to help ensure relevant observed conditions are captured and organized , Recourse works with homeowners – contractors – and restoration professionals by providing neutral documentation intended to reduce confusion and miscommunication during the claim review process , Recourse was built around a client-first approach focused on accuracy – clarity – and timely reporting rather than repairs – sales – policy interpretation – or claim negotiation , Recourse brings over a decade of insurance and field-inspection experience to deliver objective appraisals and documentation grounded in observable property conditions , Recourse can assist property owners by preparing inspection documentation commonly referenced during the appraisal process – under Texas’s updated appraisal timelines effective January 1st 2026 , Recourse was founded to help property owners better understand their documented property conditions and available documentation options so they can make informed decisions about repairs and next steps

What Texas SB 458 Changed for Home Insurance

infographic outlining what atexas sb 458 does for the consumer

WHAT IS AN APPRAISAL DISPUTE UNDER SB 458

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What Is an Appraisal Dispute Under Texas SB 458?

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Learn what an appraisal dispute means under Texas SB 458 and how it focuses on disagreements about the amount of property damage.

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appraisal-dispute-texas-sb-458


What Is an Appraisal Dispute?

An appraisal dispute happens when the policyholder and insurer do not agree on the dollar value of property damage.

It does not decide:

• Whether damage is covered
• Who is responsible
• Policy interpretation

It only focuses on how much damage exists and what repairs may cost.


Amount of Loss vs Coverage

Amount of loss
The estimated value of physical damage.

Coverage
Whether the policy includes that type of damage.

SB 458 only addresses amount-of-loss disagreements.


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.

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.

Recourse

Garland, TX

Contact
469 274-9159 | Alex@bestrecourse.com

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