Video & Transcript Research : 'appraisal clause'
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TX
Transcript Highlights:
- Several years ago, I brought to their attention that not all policies had an appraisal clause.
- To appraisal clause.
- Does it take long for your appraisal to come to a conclusion? Once we send it to appraisal?
- Right, obviously the client doesn't send it to appraisal; the insured or the insurer sends it to appraisal
- From the filed right of appraisal date to when the appraiser is appointed, it is 48 days.
Bills:
HB345, HB721, HB2580, SB815, HB3057, HB4603, HB3233, SB495, HB3863, HB3914, HB4570, HB5099, HB5173, SB458
Keywords:
insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage
TX
Bills:
HB345, HB721, HB2580, SB815, HB3057, HB4603, HB3233, SB495, HB3863, HB3914, HB4570, HB5099, HB5173, SB458
Keywords:
insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 4/15/26
Commerce Finance and Policy
Transcript Highlights:
- Under the appraisal framework, both the insurer and the insured select independent appraisers.
- In addition, that appraisal clause allows these things to be handled outside of Court.
- Minnesota already has a strong policy favoring appraisal, and courts give significant deference to appraisal
- Minnesota already has a strong policy favoring appraisal, and courts give significant deference to appraisal
- There are a number of times that I considered invoking my appraisal clause during my claim, and it should
Keywords:
healthcare, insurance, regulation, financial institutions, prescription drug affordability, consumer protection, restitution account, financial compensation, attorney general, distributions, property insurance, homeowners insurance, fire and allied lines, hail insurance, appraisal clause, loss adjustment, alternative dispute resolution, insurance claims, claim valuation, actual cash value
TX
Transcript Highlights:
- Taxing unit can request an appraisal on any or all property at any time, but the appraisal.
- As an appraisal district representative, do y'all, does every appraisal district?
- Every appraisal plan and every appraiser is already bound by it.
- Not the Chief Appraiser.
- To ignore their appraisal.
Keywords:
county appraisal district, board of directors, governance, taxing units, public representation, penalty, property report, taxation, timely filing, chief appraiser, appraisal district, ad valorem tax, property appraisal, tax protests, unequal appraisal, property rights, property tax, public employees, protest leave, appraisal review board
TX
Transcript Highlights:
- and county appraisals.
- It is not meant to be set by the appraiser. The appraisal district's primary job is to appraise.
- To the appraisal of the Tarrant appraisal district, it's not that they are unwilling to appraise.
- Appraisal Districts.
- appraised value.
Keywords:
appraisal, property value, residential real estate, tax code, appraisal review board, property owners, property tax, homeowners, property owner rights, property appraisal, taxation, Texas Tax Code, real estate, ad valorem tax, homestead exemption, market value, condemnation, tax appraisal, open-space land, land use
TX
Transcript Highlights:
- The bill would allow appraisal districts to post.
- As Liana Mann, the Chief Appraiser, I am here on behalf of the Texas Association of Appraisal Districts
- The tax code section 6.412 addresses appraisal review board eligibility.
- Appraisal Districts in support of the bill.
- Of the Appraisal District approves the purchase or lease, then the Chief Appraiser notifies all the taxing
Keywords:
ad valorem tax, property tax, incomplete structure, human occupancy, tax exemption, HB 5578, Texas Tax Code, Section 6.062, appraisal district, county appraisal district, chief appraiser, budget hearing, public notice, notice of hearing, newspaper publication, website notice, social media notice, online newspaper, county government, property appraisal
TX
Texas 89th Regular
Senate Committee on Business and Commerce (Part II) Mar 27th, 2025
Business & Commerce
Transcript Highlights:
- Several years ago, I brought to their attention that not all policies had an appraisal clause.
- Today, they suggest you check your policy to be sure it has an appraisal clause.
- The nine claims were resolved by using the appraisal clause in 2024.
- The appraisal clause protects both policyholders and insurance companies with transparency.
- I urge this committee to please pass this appraisal clause bill.
Bills:
SB458, SB819, SB1238, SB1642, SB1643, SB1644, SB1791, SB1810, SB1824, SB1825, SB758, SB1455, SB1706
Keywords:
insurance appraisal, property insurance, auto insurance, homeowners insurance, residential property, disputed loss, loss valuation, appraisal clause, appraiser, umpire, Texas Department of Insurance, TDI, insurance dispute resolution, claims adjustment, total loss, windstorm insurance, FAIR Plan, surplus lines insurance, policyholder, insurer
AZ
Arizona 2026 Regular Session
03/04/2026 - Senate Regulatory Affairs and Government Efficiency
Regulatory Affairs and Government Efficiency
Transcript Highlights:
- Madam Chair and members, Senate Bill 2501 modifies the definition of appraisal management company under
- the occupations and professions statute to include the administering appraisal panel who performs property
- appraisal services in Arizona for clients within a 12-month period.
- All the bill does is conform the definition of appraisal management company in Arizona statute to the
Keywords:
digital goods, advertising, ownership, license, consumer protection, refund policies, streaming services, minors, content creators, online platforms, compensation, trust accounts, child protection, video content, privacy, employment, independent contractor, marketplace, digital services, contractual agreements
TX
Keywords:
residential property, ad valorem tax, leasing, property appraisal, fair market rent, housing affordability, appraised value, tax limitation, housing market, affordable housing, leased residential real property, rent control, Texas Tax Code, property tax, residential leasing, homestead, tax code, appraisal review board, real estate sales, property tax relief
TX
Transcript Highlights:
- I'm talking about, uh, uh, appraisal districts and, uh, exemptions.
- I know that my appraisal district does that on a very ongoing basis.
- I'm here representing the Texas Association of Appraisal Districts.
- along with the data and technology needed to perform appraisals.
- Tax Tarrant County tax appraisal district said we can't help you.
Bills:
HB249
OK
Oklahoma 2026 Regular Session
Appropriations and Budget Finance Subcommittee REVISED: SB1403 - Added Apr 8th, 2026 at 04:30 pm
A&B Finance Subcommittee
Transcript Highlights:
- So just for clarity on these appraisals, if they identify a change, does that require a physical inspection
Keywords:
sales tax exemption, nonprofit organizations, contractors, charitable purposes, state law, retirement, public employees, reemployment, benefit adjustment, Oklahoma Public Employees Retirement System, Olympics, funding, Oklahoma Department of Commerce, local businesses, revolving fund, event hosting, sales tax, tax exemption, tax refund, Oklahoma Sales Tax Code
OK
Oklahoma 2026 Regular Session
Economic Development, Workforce and Tourism Feb 10th, 2026 at 01:30 pm
Economic Development, Workforce and Tourism
Keywords:
housing, infrastructure, water projects, Oklahoma Water Resources Board, economic development, zero-interest loans, clawback provision, local contractors, Olympics, funding, Oklahoma Department of Commerce, local businesses, revolving fund, event hosting, SB1525, tourism, recreation, conference, Oklahoma Tourism and Recreation Department, Oklahoma Tourism and Recreation Commission
TX
Bills:
SB 393, SB 414, SB 472, SB 578, SB 617, SB 710, SB 785, SB 973, SB 1059, SB 1062, SB 1352, SB 1450, SB 1502, SB 1547, SB 1566, SB 1567
Keywords:
appraisal, tax code, property ownership, appraisal district, chief appraiser, homelessness, public notice, municipality, conversion of property, local government, housing, community engagement, electronic communications, municipal entities, transparency, public access, government accountability, property tax, reappraisal, data privacy
TX
Bills:
SB 393, SB 414, SB 472, SB 578, SB 617, SB 710, SB 785, SB 973, SB 1059, SB 1062, SB 1352, SB 1450, SB 1502, SB 1547, SB 1566, SB 1567
Keywords:
appraisal, tax code, property ownership, appraisal district, chief appraiser, homelessness, public notice, municipality, conversion of property, local government, housing, community engagement, electronic communications, municipal entities, transparency, public access, government accountability, property tax, reappraisal, data privacy
TX
Transcript Highlights:
- One way to protest unequal appraisal is to simply compare your property's appraised value to the appraised
- appraisal challenges to back up their appraised value."
- on equal appraisal.
- Jason Cunningham, the Deputy Chief Appraiser at the Harris Central Appraisal District. District.
- of the appointment of the appraisal district's appraisal review board members.
Bills:
SB467, SB325, SB867, SB994, SB1052, SB1237, SB1449, SB1531, SB2063, SB2172, SB2173, SB2520, SB2529, SB2538, SB2541, SJR46, SJR84
Keywords:
SB 467, Texas property tax, ad valorem tax, homestead exemption, residence homestead, fire damage, house fire, destroyed home, temporary tax relief, appraisal district, chief appraiser, local taxing unit, tax rollback, tax refund, Tax Code Chapter 11, prorated exemption, homestead improvement, disaster relief, property tax exemption, residential property
WY
WY
WY
Transcript Highlights:
- The Fifth Amendment has what's called the takings clause, and it prohibits the government from taking
- <01:30:01.120>
and <01:30:01.360>it what's called the takings clause and it what's - called the takings clause and it prohibits<01:30:02.000>
the <01:30:02.239>government <01 - Supreme Court cases that require that the takings clause coexist with our authority for, uh, what's the
- coexist with our with the takings clause coexist with our with our<02:11:23.440>
authority <02
WY
TX
Transcript Highlights:
- I think the former chief appraiser is the chief appraiser still have their job?
- properties' appraised values and demonstrate that yours has been appraised unequally.
- appraisal challenges to back up their appraised value.
- on equal appraisal.
- Jason Cunningham, the Deputy Chief Appraiser at the Harris Central Appraisal District.
Bills:
SB467, SB325, SB867, SB994, SB1052, SB1237, SB1449, SB1531, SB2063, SB2172, SB2173, SB2520, SB2529, SB2538, SB2541, SJR46, SJR84
Keywords:
SB 467, Texas property tax, ad valorem tax, homestead exemption, residence homestead, fire damage, house fire, destroyed home, temporary tax relief, appraisal district, chief appraiser, local taxing unit, tax rollback, tax refund, Tax Code Chapter 11, prorated exemption, homestead improvement, disaster relief, property tax exemption, residential property
Summary:
The committee heard several local government and property tax bills, with most testimony focused on appraisal disputes, tax administration, and development rules. Senate Bill 1052 by Senator Hinojosa would address coastal county appraisal litigation by requiring property owners in certain large-value disputes to report an uncontested taxable value while appeals are pending, so taxing units can base truth-in-taxation calculations on more realistic revenue. Nueces County, Del Mar College, and Corpus Christi ISD testified in support, describing major budget shortfalls caused by refinery valuation disputes; the committee substitute narrowed and clarified the bill’s scope. No opposition was heard, public testimony closed, and SB 1052 was left pending.
The committee also heard Senate Bill 1531, which would require local tax collectors to accept common electronic property tax payments such as credit cards, debit cards, and e-checks. Witnesses supported modernizing payment options and the committee substitute removed ACH/electronic funds transfer language to avoid bank-account disclosure concerns. Public testimony closed and the bill was left pending. Senate Bill 325, by Senator Perry, would restore platting and groundwater-certification requirements that were unintentionally weakened by prior legislation; supporters from county government, water groups, and builders’ representatives debated whether the real issue was groundwater protection or road standards for private roads. The bill was left pending after extensive testimony and no vote.
The committee then took up Senate Bill 994 and SJR 46, which would exempt certain livestock feed inventory from property tax and provide the constitutional amendment needed for that change. Feed store and Farm Bureau witnesses supported the measure as relief for seasonal inventory taxes, and the bills were left pending. Senator Paxton presented SB 467 and SJR 84 to create a temporary property tax exemption for homes completely destroyed by fire, with refunds or corrected bills based on the date of loss; both were left pending. SB 1237 would clarify charitable property tax exemptions for senior housing and retirement communities, with testimony from Catholic and Baptist retirement organizations and a resident describing rising costs and exemption revocations; it was also left pending. The committee later voted 6-0 to report SB 2073, a pending bill on appraisal district authority to purchase or finance real property, and recommended it for the local and uncontested calendar.
Finally, the committee heard SB 2172, SB 2173, and SB 2063, all related to property tax administration. SB 2172 would limit when appraisal districts can require homeowners to reapply for homestead exemptions, requiring a specific reason and written notice; SB 2173 would protect new homeowners from surprise tax liabilities caused by prior owners’ erroneous homestead exemptions, with testimony describing large back-assessment bills; both were left pending. SB 2063 would bar appraisal districts from using market-value evidence in unequal appraisal protests, and testimony sharply divided between taxpayer advocates, who said market data improperly overwhelms equity claims, and appraisal district representatives, who argued market value is inherently tied to equal-and-uniform taxation and cited a recent Texas Supreme Court decision; the bill was left pending after testimony.