Monitoring the Session

SB 2575

bill on recovering held-back depreciation on property claims

Died in committee

Verdict: No flags

No flagsInitial review
Sen. Mayes MiddletonRSenate 11

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 recoverable depreciation for property damage claims under an insurance policy.

Caption from analyzed text · version I.

Summary

Policyholders get up to two years to recover it.

The bill requires property insurance policies to let a policyholder recover depreciation that the insurer held back from a covered claim payment for up to two years after the insurer issues that payment. It also bars insurers from counting that recoverable depreciation as part of their defense costs or subtracting it from defense coverage limits. It touches insurers and Texans with property damage claims, and it applies to policies delivered, issued or renewed on or after January 1, 2026.

Labels

Labels: NEVER GOT A HEARING. Filed Mar 13, 2025 and referred to the Senate Business & Commerce committee. No public hearing. The bill died.

Receipt

The receipt

89R-SB2575 · 2025-03-13

SOLD BY

Sen. Mayes MiddletonRSenate 11

ITEM

relating to recoverable depreciation for property damage claims under an insurance policy.

WHAT IT DOES

Policyholders get up to two years to recover it.

The bill requires property insurance policies to let a policyholder recover depreciation that the insurer held back from a covered claim payment for up to two years after the insurer issues that payment. It also bars insurers from counting that recoverable depreciation as part of their defense costs or subtracting it from defense coverage limits. It touches insurers and Texans with property damage claims, and it applies to policies delivered, issued or renewed on or after January 1, 2026.

CHARGES

[ ] NONE FOUND

TOTAL

No fiscal note in the loaded record.

HISTORY

  1. Received by the Secretary of the Senate
  2. Filed
  3. Read first time
  4. Referred to Business & Commerce
FILED UNDER

No verified beat found.

No flags

THANK YOU FOR CHECKING THE RECEIPT

CAMPAIGN PAID FOR BY

CAMPAIGN PAID FOR BY

Mayes Middleton

Donors

Texans for Lawsuit Reform PAC$1.14MRussell Gordy$300,000Kenneth Fisher$215,000

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 · Jul 6, 2024 to Oct 24, 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.

Texans for Lawsuit Reform PAC$1,140,000.00

Texans for Lawsuit Reform PAC

$1,140,000.00

Cash
$1,140,000.00
Paid by others
$0.00
Total
$1,140,000.00

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 · Dec 12, 2024 to Oct 21, 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: 101009502, 101012383, 101061137, 101072395, 101072779.

Russell Gordy$300,000.00
Kenneth Fisher$215,000.00
Money

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

×

Texans for Lawsuit Reform PAC

$1,140,000.00

Cash
$1,140,000.00
Paid by others
$0.00
Total
$1,140,000.00

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 · Dec 12, 2024 to Oct 21, 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: 101009502, 101012383, 101061137, 101072395, 101072779.

Votes

No floor vote loaded for this bill.

Fiscal

No fiscal note in the loaded record.

How this was graded

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

Sources

Texas Senate · Filed Mar 13, 2025

04/03/2025 S Referred to Business & Commerce

Texas Legislature Online · Introduced

Data snapshot Oct 26, 2026 at 4:20 AM CDT. Grades, charges, quotes and corrections follow the published record.

Senate committee · Business & Commerce · Final status: Died in committee

Companion

HB 4268 by Morgan (identical)

Subjects

Insurance--Property & Casualty

Text

The text as introduced · 165 words

89R13971 DNC-F

By: Middleton
S.B. No. 2575

A BILL TO BE ENTITLED

AN ACT

relating to recoverable depreciation for property damage claims

under an insurance policy.

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

SECTION 1. Subchapter A, Chapter 2301, Insurance Code, is

amended by adding Section 2301.011 to read as follows:

Sec. 2301.011. RECOVERABLE DEPRECIATION. (a) An insurance

policy providing coverage for property damage must permit an

insured to recover depreciation withheld from a claim for a covered

loss until the second anniversary of the date the insurer issues a

claim payment for the loss.

(b) The recoverable depreciation may not:

(1) be considered part of the insurer's defense costs;

or

(2) be deducted from any defense coverage limits under

an insurance policy.

SECTION 2. Section 2301.011, Insurance Code, as added by

this Act, applies only to an insurance policy delivered, issued for

delivery, or renewed on or after January 1, 2026.

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