德州车险与房屋保险理赔鉴定规则落地：保单须含鉴定条款，保险公司2027年3月1日前执行
美国德克萨斯州保险局（TDI）11月4日正式通过理赔鉴定规则，落实州议会2025年通过的第458号参议院法案。新规要求，德州的个人汽车保险和住宅财产保险保单必须写入鉴定条款，投保人与保险公司对损失金额谈不拢时，任何一方都可以单方面启动鉴定程序。
这套规则编为德州行政法典第5.9800至5.9806条，落实的是保险法典新增的第1813章。按通过的文本，鉴定中由谁当公断人（umpire）、用什么方式选公断人，由投保人在争议发生时选择，投保人也保留请法院指定公断人的选项。
规则制定过程中，德州保险局共收到204名评论者的意见，今年6月2日的听证会上有18人到场作证，保险局在最终文本中根据公众意见作了修改。
新规11月24日生效，保险公司最迟要在2027年3月1日前全面执行。对德州车主和房主来说，今后拿到理赔 offer 后如果认为金额偏低，保单里会明确写着一条不用打官司的解决路径。
（来源：德克萨斯州保险局）
Texas Adopts Appraisal Rules for Auto and Home Claims: Policies Must Carry an Appraisal Clause, Insurer Compliance by March 1, 2027
The Texas Department of Insurance (TDI) on November 4 formally adopted appraisal rules implementing Senate Bill 458, passed by the Texas Legislature in 2025. The rules require personal auto and residential property insurance policies in Texas to include an appraisal provision, so that when a policyholder and an insurer cannot agree on the amount of a loss, either side can demand appraisal on its own.
Codified as 28 TAC sections 5.9800 through 5.9806, the rules implement new Chapter 1813 of the Texas Insurance Code. Under the adopted text, the insured has the sole right to choose the method for selecting the umpire when a dispute arises, and keeps the contractual option of asking a court to appoint one.
During the rulemaking, TDI received comments from 204 commenters, and 18 people testified at a June 2, 2026 hearing. The department made changes to the final rules in response to the public comments.
The rules take effect on November 24, 2026, and insurers must comply by March 1, 2027. For Texas drivers and homeowners, a claim offer that looks too low now comes with a clearly written, non-lawsuit path to challenge it, spelled out in the policy itself.
(Source: Texas Department of Insurance)
来源：德克萨斯州保险局
发布：GSM·美国（发布链接）
图片来源：图片来源：Wikimedia Commons 开放授权航拍资料图，图中为德克萨斯州一处住宅区 Image: Wikimedia Commons (open license), aerial file photo of a Texas residential area
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