{"data":{"id":"us-tx/tex.-insurance-code-705.003","jurisdiction":"us-tx","citation":"Tex. Insurance Code § 705.003","heading":"POLICY PROVISION: MISREPRESENTATION IN PROOF OF LOSS OR DEATH.","body":"(a) An insurance policy provision that states that a misrepresentation, including a false statement, made in a proof of loss or death makes the policy void or voidable:\n(1) has no effect; and\n(2) is not a defense in a suit brought on the policy.\n(b) Subsection (a) does not apply if it is shown at trial that the misrepresentation:\n(1) was fraudulently made;\n(2) misrepresented a fact material to the question of the insurer's liability under the policy; and\n(3) misled the insurer and caused the insurer to waive or lose a valid defense to the policy.\nAdded by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.","path":["INSURANCE CODE","TITLE 5. PROTECTION OF CONSUMER INTERESTS","SUBTITLE F. INSURANCE FRAUD AND IDENTITY THEFT","CHAPTER 705. MISREPRESENTATIONS BY POLICYHOLDERS","SUBCHAPTER A. GENERAL PROVISIONS"],"source_url":"https://statutes.capitol.texas.gov/Docs/IN/htm/IN.705.htm#705.003","current_through":"89th 2nd Called Legislative Session, 2025","vintage":"","retrieved_at":"2026-08-27T01:47:21Z","sha256":"ef69be198862e0021c87489ea7197c83eff66cc40415f13c830ae65254991571","source_id":"us-tx","stale":false,"prev":"us-tx/tex.-insurance-code-705.002","next":"us-tx/tex.-insurance-code-705.004"},"notice":"GroundRules: Original legal text. Not legal advice."}