{"data":{"id":"us-tx/tex.-insurance-code-862.053","jurisdiction":"us-tx","citation":"Tex. Insurance Code § 862.053","heading":"FIRE INSURANCE: TOTAL LOSS OF REAL PROPERTY.","body":"(a) A fire insurance policy, in case of a total loss by fire of property insured, shall be held and considered to be a liquidated demand against the company for the full amount of such policy. This subsection does not apply to personal property.\n(b) An insurance company shall incorporate verbatim the provisions of Subsection (a) in each fire insurance policy issued as coverage on real property in this state.\n(c) The commissioner shall require compliance with this section.\nAdded by Acts 2001, 77th Leg., ch. 1419, Sec. 1, eff. June 1, 2003. Amended by Acts 2003, 78th Leg., ch. 1276, Sec. 10A.220, eff. Sept. 1, 2003.","path":["INSURANCE CODE","TITLE 6. ORGANIZATION OF INSURERS AND RELATED ENTITIES","SUBTITLE D. CASUALTY COMPANIES","CHAPTER 862. FIRE AND MARINE INSURANCE COMPANIES","SUBCHAPTER B. INSURANCE COVERAGE PROVIDED BY FIRE AND MARINE INSURANCE COMPANIES"],"source_url":"https://statutes.capitol.texas.gov/Docs/IN/htm/IN.862.htm#862.053","current_through":"89th 2nd Called Legislative Session, 2025","vintage":"","retrieved_at":"2026-08-27T01:47:21Z","sha256":"be005ac13c63c886552ed8d8f91746a663d4de6888d04743192cd143b77c4289","source_id":"us-tx","stale":false,"prev":"us-tx/tex.-insurance-code-862.052","next":"us-tx/tex.-insurance-code-862.054"},"notice":"GroundRules: Original legal text. Not legal advice."}