Principle Criteria
Free Enterprise
Property Rights
Personal Responsibility
Limited Government
Individual Liberty
Digest
HB 854 requires residential property insurance policies providing replacement cost coverage to pay at least 80% of the estimated repair or replacement cost upfront, minus the deductible. The balance is payable upon verification of completed repairs or replacement. These provisions apply to policies delivered, issued, or renewed on or after January 1, 2026. The law takes effect on September 1, 2025.
Author
Cassandra Garcia Hernandez
Matt Morgan
Contact the Author
Rep. Cassandra Garcia Hernandez
Capitol Phone:
(512) 463-0468
Capitol Office:
EXT E2.712
E-Mail:
