August 4, 2026

Many Texas property insurance policies allow insurers to repair damaged property instead of issuing a cash payment—but what does that really mean for policyholders? This article explores the insurer’s Right to Repair, the limited Texas case law governing these provisions, including North River Insurance Co. v. Rippy, and the important legal questions that remain unanswered. Learn how the option to repair can impact your insurance claim, appraisal rights, contractor selection, and your ability to recover after a property loss.