The Interview
Two advocates. One fight for Texas consumers.
Robert McDorman sits down with Ware Wendell of Texas Watch — the nonpartisan consumer advocacy organization — to discuss why the right to appraisal must be a mandatory part of every Texas auto policy.
What The Conversation Covers
Three takeaways before you press play
The appraisal clause is the guardrail
When you and your carrier disagree on what your loss is worth, the appraisal clause is the contractual mechanism that puts the decision in the hands of independent appraisers — not the carrier's adjusters.
Carriers have been removing it
After years of losing appraisal disputes, some carriers began restricting or eliminating the clause from their policies — leaving policyholders with no practical recourse short of litigation.
Texas fought back — and won
Years of testimony and advocacy, including this conversation, led to SB 458: as of September 1, 2025, every Texas personal auto policy must include a mandatory, binding appraisal clause.
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