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Texas Department of Insurance Issues New Rules Governing Residential and Automobile Appraisal

The Texas Department of Insurance issued long-awaited new rules governing residential and automobile appraisal pursuant to the Commissioner’s Order Number 2026-10210.  The Order created several new sections of the Texas Administrative Code, §§5.9800 to 5.9806. About The Author

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Court Vacates Appraisal Award Exceeding Agreed Scope

In 453 Laurel Rd Holdings, LLC v. State Farm Fire & Casualty Co., No. 6:25-cv-00094-REW-HAI, 2026 WL 3230469 (E.D. Ky. Oct. 28, 2026), the United States District Court for the Eastern District of Kentucky vacated an appraisal award because the appraisers and umpire valued different scopes of loss. About The Authors

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Court Declines to Compel Appraisal Where Coverage is Disputed

Court Declines to Compel Appraisal Where Coverage is Disputed[1] In FutureCare Health and Management Corporation v. Affiliated FM Insurance Company, 2026 WL 1947844 (D. Md. 2026), the United States District Court for the District of Maryland held that appraisal was not appropriate where the insurer disputed coverage for all claimed losses, rather than merely disputing the amount of loss. The decision highlights the distinction between disputes over the value of a covered loss and disputes over whether any coverage exists in the first instance. About The Author

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About The Property Insurance Law Observer

For more than five decades, Cozen O’Connor has represented all types of property insurers in jurisdictions throughout the United States, and it is dedicated to keeping its clients abreast of developments that impact the insurance industry. The Property Insurance Law Observer will survey court decisions, enacted or proposed legislation, and regulatory activities from all 50 states. We will also include commentary on current issues and developing trends of interest to first-party insurers.

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