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The Facts on Texas House Bill 1774

Posted by Pete Walther Wednesday, August 30, 2017

Our thoughts continue to be with our colleagues, clients, and everyone affected by Hurricane Harvey. As flooding concerns continue, your safety is our top priority.

You may have heard news reports and or read information on social media about Texas House Bill 1774. We want to let you know that HB 1774 does not change how to file a claim or how your carrier will process and settle your claim.

Provided are some answers to some frequently asked questions on Texas House Bill 1774:

What is Texas HB 1774?

This bill requires policyholders to provide advance notice to their insurer, before filing a lawsuit against them. The legislation also makes changes to requirements for inspections related to a lawsuit, recovering attorney’s fees, and statutory penalty interest.

Does Texas HB 1774 apply to me?

  • Does not apply to claims with the National Flood Insurance Program (NFIP).
  • Does not apply to claims with the Texas Windstorm Insurance Association (TWIA).
  • Applies to claims made under an insurance policy providing coverage for real property, such as homes and other buildings.
  • The legislation also applies to claims made under the Fair Access to Insurance Requirements (FAIR) Plan Association.

When does this law become effective?

Texas House Bill 1774 was passed in May and takes effect on September 1, 2017.

Does this mean I need to report a claim before September 1?

HB 1774 does not change how to file a claim or how your carrier will process and settle your claim. If you have sustained a loss related to Hurricane Harvey, or another covered peril, we can assist you with filing your claim. If you require immediate Claims Service, please call our claims hotline at 866-829-3036 or email PCSLV.CLAIMS@marsh.com to begin the claims process.

What if I have a dispute with my insurance company?

We are here to provide advice and serve as your advocate throughout the claims process.

Where can I obtain additional information about HB 1774?

Information is available on the Texas Department of Insurance website. You can also contact ConsumerProtection@tdi.texas.gov or 1-800-252-3439 for additional information.

Related to:  Individuals and Families

Pete Walther

Managing Director, President, Marsh Private Client Services


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