How does Texas measure damages for destroyed personal property?
By the difference in market value immediately before and immediately after the loss, assessed where the damage occurred. When market value cannot reasonably be determined, Texas courts allow replacement value, actual or intrinsic value, and in appropriate cases even sentimental value, while owners of repairable property may claim reasonable repair costs instead.
What is the deadline to sue over damaged property in Texas?
Two years from the date the damage occurred, under Civil Practice and Remedies Code § 16.003. Some secondary sources cite a four-year window, but Texas practitioners treat that as incorrect for standard personal property damage claims, so valuation and filing decisions need to move inside the two-year period.
Can a smaller Texas damage claim stay out of district court?
Yes. Justice of the Peace courts hear property damage claims up to $20,000, a cap that includes attorney's fees but excludes interest and court costs. Larger claims belong in county or district court, so the appraised loss amount effectively selects the forum.
What deadlines do insurers face on Texas property claims?
Insurers must acknowledge a written claim within 15 business days and accept or reject it within 15 business days after receiving the requested documentation, with a 45-day extension available only with written explanation. For personal auto and residential policies issued or renewed on or after January 1, 2026, Chapter 1813's appraisal clause then fixes the amount of loss with binding effect when the parties disagree.