Monitoring the Session

HB 4092

insurer pays late, still owes interest and fees

Did not pass

Verdict: No flags

No flagsInitial review
Rep. Matt MorganRHouse 26

Initial review · graded Oct 20, 2026 · Headline, summary and grade are analysis of the bill text, not a finding about any person · How we grade

Caption

relating to the effect of payments made after the deadline for presuit notice in actions against an insurer related to certain claims for property damage.

Caption from analyzed text · version I.

Summary

Paying after the presuit deadline no longer shrinks what’s owed.

The bill says that when an insurer pays a property damage claim after the deadline for presuit notice, that late payment does not cut off the policyholder's right to recover interest, penalties, attorney's fees, or other damages. It touches insurers and policyholders who sue over property damage claims under the Insurance Code chapter that governs those lawsuits. On the ground, an insurer can no longer pay late and then use that payment to shrink what it owes in interest, penalties, or fees, for lawsuits filed on or after September 1, 2025.

Receipt

The receipt

89R-HB4092 · 2025-03-07

SOLD BY

Rep. Matt MorganRHouse 26

ITEM

relating to the effect of payments made after the deadline for presuit notice in actions against an insurer related to certain claims for property damage.

WHAT IT DOES

Paying after the presuit deadline no longer shrinks what’s owed.

The bill says that when an insurer pays a property damage claim after the deadline for presuit notice, that late payment does not cut off the policyholder's right to recover interest, penalties, attorney's fees, or other damages. It touches insurers and policyholders who sue over property damage claims under the Insurance Code chapter that governs those lawsuits. On the ground, an insurer can no longer pay late and then use that payment to shrink what it owes in interest, penalties, or fees, for lawsuits filed on or after September 1, 2025.

CHARGES

[ ] NONE FOUND

TOTAL

No significant fiscal implication to the State is anticipated.

LBB estimate · fiscal note version I · source

Sources

Fiscal note · version I · April 28, 2025

No first-year general revenue figure available here.

LBB published estimates · flow over the stated periods.

Source snapshot 2026-10-19, Central time.

HISTORY

  1. Filed
  2. Read first time
  3. Referred to Insurance
  4. Scheduled for public hearing on . . .
  5. Considered in public hearing
  6. Testimony taken/registration(s) recorded in committee
  7. Left pending in committee
  8. Considered in formal meeting
  9. Committee substitute considered in committee
  10. Reported favorably as substituted
FILED UNDER

SPEECH AND LAWFARE

THE TEXT

…“does not limit in any way an insured's right to recover interest, penalties, attorney's fees, or any other noneconomic damages”…

Bill text, introduced version (I)

The bill keeps lawsuit remedies, including attorney's fees, open for policyholders when an insurer pays late.

No flags

THANK YOU FOR CHECKING THE RECEIPT

CAMPAIGN PAID FOR BY

CAMPAIGN PAID FOR BY

Matt Morgan

Donors

Texas Conservative Majority PAC$199KTexans for Lawsuit Reform PAC$150KTexans for Truth and Liberty PAC$55K

Not tied to this bill.

Sources

The author's campaign account only. Own money and internal transfers are separate on the member page.

Derived itemized flow · Oct 27, 2024 to Oct 20, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Texas Conservative Majority PAC$199,350.00

Texas Conservative Majority PAC

$199,350.00

Cash
$125,000.00
Paid by others
$74,350.00
Total
$199,350.00
canvassing $58,100.00polling $16,250.00

Also funds 42 other sitting lawmakers.

Derived recipient stock · Jan 23, 2026 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Aug 17, 2026 to Oct 8, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101067971, 101072248.

Texans for Lawsuit Reform PAC$150,123.30

Texans for Lawsuit Reform PAC

$150,123.30

Cash
$105,000.00
Paid by others
$45,123.30
Total
$150,123.30
mail $28,873.30polling $16,250.00

Also funds 124 other sitting lawmakers.

Derived recipient stock · Jul 10, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Aug 20, 2026 to Oct 5, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101067971, 101072248.

Texans for Truth and Liberty PAC$55,000.00

Texans for Truth and Liberty PAC

$55,000.00

Cash
$55,000.00
Paid by others
$0.00
Total
$55,000.00

Also funds 44 other sitting lawmakers.

Derived recipient stock · Jun 24, 2025 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Jun 24, 2025 to Sep 30, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101006291, 101067971, 101072248.

Money

Missing data does not establish zero giving. Display amounts are rounded.

×

Texas Conservative Majority PAC

$199,350.00

Cash
$125,000.00
Paid by others
$74,350.00
Total
$199,350.00
canvassing $58,100.00polling $16,250.00

Also funds 42 other sitting lawmakers.

Derived recipient stock · Jan 23, 2026 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Aug 17, 2026 to Oct 8, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101067971, 101072248.

×

Texans for Lawsuit Reform PAC

$150,123.30

Cash
$105,000.00
Paid by others
$45,123.30
Total
$150,123.30
mail $28,873.30polling $16,250.00

Also funds 124 other sitting lawmakers.

Derived recipient stock · Jul 10, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Aug 20, 2026 to Oct 5, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101067971, 101072248.

×

Texans for Truth and Liberty PAC

$55,000.00

Cash
$55,000.00
Paid by others
$0.00
Total
$55,000.00

Also funds 44 other sitting lawmakers.

Derived recipient stock · Jun 24, 2025 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Jun 24, 2025 to Sep 30, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101006291, 101067971, 101072248.

Votes

No floor vote loaded for this bill.

Fiscal

No significant fiscal implication to the State is anticipated.

LBB estimate · fiscal note version I · source

Sources

Fiscal note · version I · April 28, 2025

No first-year general revenue figure available here.

LBB published estimates · flow over the stated periods.

Source snapshot 2026-10-19, Central time.

How this was graded

Analysis of text version I by claude-opus-5-5, Oct 20, 2026, against the published rubric.

Sources

Texas House · Filed Mar 7, 2025

05/07/2025 H Reported favorably as substituted

Texas Legislature Online · Introduced

Data snapshot Oct 26, 2026 at 4:19 AM CDT. Grades, charges, quotes and corrections follow the published record.

House committee · Insurance · Committee vote 8 aye, 1 nay · Final status: Did not pass

Subjects

Civil Remedies & Liabilities

Insurance--Property & Casualty

Text

The text as introduced · 151 words

89R13973 DNC-F

By: Morgan
H.B. No. 4092

A BILL TO BE ENTITLED

AN ACT

relating to the effect of payments made after the deadline for

presuit notice in actions against an insurer related to certain

claims for property damage.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:

SECTION 1. Chapter 542A, Insurance Code, is amended by

adding Section 542A.008 to read as follows:

Sec. 542A.008. EFFECT OF PAYMENT AFTER NOTICE DEADLINE.

Any payment made after the deadline for presuit notice under

Section 542A.003 does not limit in any way an insured's right to

recover interest, penalties, attorney's fees, or any other

noneconomic damages for the claim for which the payment was made.

SECTION 2. Section 542A.008, Insurance Code, as added by

this Act, applies only to an action that commences on or after the

effective date of this Act.

SECTION 3. This Act takes effect September 1, 2025.