Texas House Bill HB1183

Texas 2013 - 83rd Regular

Caption

Relating to prohibited conduct by insurance adjusters, public insurance adjusters, and roofing contractors.

Impact

If passed, HB 1183 would amend the Texas Insurance Code by introducing strict guidelines around the interactions between insurance adjusters and roofing contractors. The intent of the bill is to eliminate the potential for fraud and abuse that could arise when a roofing contractor also acts as an adjuster, thereby ensuring a level of impartiality in the settlement of claims. This legislative change is expected to safeguard consumers from potential conflicts of interest within the insurance claims process, promoting ethical standards among adjusters and contractors.

Summary

House Bill 1183 aims to regulate the conduct of insurance adjusters and roofing contractors in Texas by prohibiting certain conflicts of interest. Specifically, the bill states that licensed insurance adjusters cannot adjust claims related to roofing damage if they are also roofing contractors or have any financial involvement in roofing-related businesses. Likewise, roofing contractors are barred from acting as public adjusters for properties for which they provide roofing services. This legislation is set to enhance consumer protection and mitigate potential fraud in the insurance and roofing sectors.

Contention

While the intent behind HB 1183 is to protect consumers, it may face pushback from roofing contractors and adjusters who argue that the restrictions could hamper their ability to operate effectively in the marketplace. Some stakeholders might contend that these regulations impose unnecessary barriers and could limit the services that contractors and adjusters can provide. Balancing consumer protection with the interests of service providers may become a point of contention in the legislative discussions surrounding this bill.