Monitoring the SessionHB 1116
Filed
Initial review · graded Nov 12, 2026 · How we grade
relating to recoverable depreciation for property damage claims under an insurance policy.
Caption from analyzed text · version I.
Insurer held back depreciation on your claim? You get two years to recover it. Starts 2028.
The bill requires property insurance policies to let a policyholder recover depreciation the insurer held back from a covered claim for up to two years after the insurer pays the claim. It touches homeowners, businesses and other property owners with damage claims, and the insurers that write those policies. The bill also bars insurers from counting that recovered depreciation as defense costs or subtracting it from defense coverage limits, and it applies to policies issued or renewed on or after January 1, 2028.
Labels: BACK FROM THE DEAD. Same text as a bill filed before that died: 89R HB 4268 (Died in committee). Filed in 2 sessions, counting this one. Checked against 88R and 89R only.TRY NO. 2. Filed in 2 sessions: 89R and 90R. Checked against 88R and 89R only.
90R-HB1116 · 2026-11-12
relating to recoverable depreciation for property damage claims under an insurance policy.
Insurer held back depreciation on your claim? You get two years to recover it. Starts 2028.
The bill requires property insurance policies to let a policyholder recover depreciation the insurer held back from a covered claim for up to two years after the insurer pays the claim. It touches homeowners, businesses and other property owners with damage claims, and the insurers that write those policies. The bill also bars insurers from counting that recovered depreciation as defense costs or subtracting it from defense coverage limits, and it applies to policies issued or renewed on or after January 1, 2028.
[ ] NONE FOUND
No fiscal note in the loaded record.
2026-11-12 Filed (per the TLO filing feed)
No verified beat found.
THANK YOU FOR CHECKING THE RECEIPT
CAMPAIGN PAID FOR BY
Not tied to this bill.
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.
$199,350.00
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.
TeamDerived 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.
$150,123.30
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.
TeamDerived 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.
$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.
TeamDerived 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.
Missing data does not establish zero giving. Display amounts are rounded.
$199,350.00
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.
TeamDerived 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.
$150,123.30
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.
TeamDerived 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.
$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.
TeamDerived 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.
No floor vote loaded for this bill.
No fiscal note in the loaded record.
Analysis of text version I by a super-expensive superintelligence, Nov 12, 2026, against the published rubric.
Filed 2 times: 89R and now. Checked against 88R and 89R only.
by Rep. Morgan, same lead author · Died in committee · same text
Introduced textLast action, Apr 17, 2025: Left pending in committee
Relating to recoverable depreciation for property damage claims under an insurance policy.
Caption, 89R bill history
Texas House · Filed Nov 12, 2026
2026-11-12 Filed (per the TLO filing feed)
Texas Legislature Online · Introduced text: HTML · PDF
Data snapshot Nov 12, 2026 at 5:07 PM CST. Grades, charges, quotes and corrections follow the published record.
The text as introduced · 165 words
90R2445 DNC-F By: Morgan H.B. No. 1116 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, 2028. SECTION 3. This Act takes effect September 1, 2027.