Truth or Myth: HB 1774 (A.K.A. the Texas “Hailstorm” Bill)

Truth or Myth

By now, you’ve probably seen the article floating around the internet, urging Texans to file claims before September 1st or run the risk of losing money. These articles are confusing, misleading, and (understandably) upsetting during a time that is already very difficult for many people.

Contrary to these articles floating around on social media, HB 1774 (A.K.A. The Texas “Hailstorm” Bill) does not remove your right or ability to file a claim or sue an insurance company.

HB 1774 only applies to law suits (not claims) filed after September 2017. It also does not affect the actual claims process. Most homeowners will not be affected because most people go through the regular claims process without suing the insurance company.

HB 1774 only applies to claims regarding damage or loss of covered property due to “forces of nature” including:

  • Earthquake or tremor
  • Wildfire
  • Flood
  • Tornado
  • Lighting
  • Hurricane
  • Hail
  • Wind
  • Snowstorm
  • Rainstorm

What has not changed:

  • The process for filing a claim
  • Your legal rights and remedies that are available under consumer protection laws if you decide to sue
    • HB 1774 does not take away your right to sue

What has changed:

  • Before you file a law suit, you must provide the insurance company with a written notice of legal action and give them an opportunity to inspect the property

If you need to file a claim, contact your insurance company directly and work with your adjuster to identify all damages and coverages. If you need any assistance filing your claim or resolving your claim in a timely manner, our friendly service team members are here to help! Please call us at (972) 673 – 0045 to speak to a service team member.

In the event that a claims dispute cannot be resolved, you can file a complaint with the Texas Department of Insurance by calling their Consumer Protection Hotline at 1-800-252-3439 or visiting their website at www.tdi.texas.gov.

Texas law provides strong protections for consumers after Harvey

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