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Task force reviews draft to clarify appraisal timelines in insurance disputes

Homeowners and Commercial Property Insurance Task Force · January 22, 2026
AI-Generated Content: All content on this page was generated by AI to highlight key points from the meeting. For complete details and context, we recommend watching the full video. so we can fix them.

Summary

A staff‑drafted bill would clarify that either party can move into the appraisal process up to two years from the date of loss; members asked for more time to review the multi‑page draft and noted it would not be retroactive.

ST. PAUL — The task force reviewed a draft statutory change intended to clarify alternative dispute resolution and appraisal timelines in insurance claims.

Mr. Brickwoody presented draft language prepared with House Research that would strike conflicting language across statutes and add a new section stating either party may move into appraisal within two years of the date of loss for covered claims. The proposal is designed to reduce confusion and create consistent appraisal rules across policy types.

Several members asked whether the draft would apply to surplus lines policies and whether it would be retroactive; drafters and staff said the proposal would not apply retroactively and that legal staff would follow up on surplus‑lines treatment. Multiple members requested additional time to read the four‑page draft; the task force agreed to postpone a vote and pick up the item at the Feb. 5 meeting so staff and legal counsel can refine the language and answer technical questions.

The draft was shared publicly before the meeting; staff agreed to circulate annotated edits and make technical fixes prior to the next session.